Liabilities / Assets
70th percentile
Higher debt load relative to assets than 70% of similar nonprofits.
EIN 38-1550540 • 501(c)14
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
70th percentile
Higher debt load relative to assets than 70% of similar nonprofits.
Liabilities / Revenue
88th percentile
Higher debt load relative to revenue than 88% of similar nonprofits.
Net Margin
31st percentile
Higher net margin than 31% of similar nonprofits.
Top Officer Pay
39th percentile
Higher top officer pay than 39% of similar nonprofits.
Top officer pay equals 20.7% of source-year revenue.
Asset Growth
25th percentile
Faster asset growth than 25% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Down$6,907,670
Down $395,514 (-5.4%) from 2012
Liabilities
Down$6,107,297
Down $381,806 (-5.9%) from 2012
Net Assets
Down$800,373
Down $13,708 (-1.7%) from 2012
Revenue
$243,710
No earlier filing loaded for comparison.
Expenses
Down$252,915
Down $22,257 (-8.1%) from 2012
Net Income
-$9,205
No earlier filing loaded for comparison.
Most recent year
2013 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
The latest 2013 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2012 below.
To encourage thrift among its members, provide a variety of financial services to its members and provide an opportunity for its members to use and control their own money on a democratic basis in order to improve their economic and social condition.
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/AccountantCompileOrReview | 0 | 0 |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 19057 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 7363 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 0 | Provide 305 loans including Unsecured, New and Used Vehicle, Credit Card, 1st Mortgage and Other Real Estate. |
| IRS990/Activity2/Expense | 0 | 0 |
| IRS990/Activity2/Grants | 0 | 0 |
| IRS990/Activity2/Revenue | 0 | 0 |
| IRS990/Activity3/Description | 0 | Offer ATM/Debit Cards, Home Banking, Check Cashing, Wire Transfers and Money Orders to all eligible members. |
| IRS990/Activity3/Expense | 0 | 0 |
| IRS990/Activity3/Grants | 0 | 0 |
| IRS990/Activity3/Revenue | 0 | 0 |
| IRS990/ActivityOrMissionDescription | 0 | To provide financial services to member owners with a common bond. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 42700 Schoenherr |
| IRS990/AddressPrincipalOfficerUS/AddressLine2 | 0 | No 6 |
| IRS990/AddressPrincipalOfficerUS/City | 0 | Sterling Heights |
| IRS990/AddressPrincipalOfficerUS/State | 0 | MI |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 48313 |
| IRS990/Advertising/Total | 0 | 80 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | 1 |
| IRS990/AuditCommittee | 0 | 1 |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | 0 |
| IRS990/BsnssRltnshpWithOrganization | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/BOY | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/EOY | 0 | 0 |
| IRS990/CashNonInterestBearing/BOY | 0 | 68002 |
| IRS990/CashNonInterestBearing/EOY | 0 | 158526 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 49894 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 0 |
| IRS990/CompensationProcessOther | 0 | 0 |
| IRS990/ComplianceWithBackupWitholding | 0 | 1 |
| IRS990/ConferencesMeetings/Total | 0 | 1022 |
| IRS990/ConflictOfInterestPolicy | 0 | 1 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 0 |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/ContributionsGrantsPriorYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 1 |
| IRS990/DeductibleContributionsOfArt | 0 | 0 |
| IRS990/DeductibleNonCashContributions | 0 | 0 |
| IRS990/DelegationOfManagementDuties | 0 | 0 |
| IRS990/DepreciationDepletion/Total | 0 | 946 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | To provide 1,031 members with Regular and Green Shares, Share Draft, Certificate of Deposit and IRA accounts totaling 1,510. |
| IRS990/DisregardedEntity | 0 | 0 |
| IRS990/DocumentRetentionPolicy | 0 | 1 |
| IRS990/DonorAdvisedFunds | 0 | 0 |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | 1 |
| IRS990/EmploymentTaxReturnsFiled | 0 | 1 |
| IRS990/Expense | 0 | 0 |
| IRS990/FamilyOrBusinessRelationship | 0 | 0 |
| IRS990/FederalGrantAuditRequired | 0 | 0 |
| IRS990/FeesForServicesLegal/Total | 0 | 60 |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 2 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 2 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 2 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 40 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 2 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 2 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 2 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | George F Weigand |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | Norman Grifka |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | Donald Heydens |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | Annette Swidwinski |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | Warren Sawdon |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | Kenneth Grunewald |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | John Ternes |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 438 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 49456 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | Chairperson |
| IRS990/Form990PartVIISectionA/Title | 1 | Vice Chairperson |
| IRS990/Form990PartVIISectionA/Title | 2 | Treasurer |
| IRS990/Form990PartVIISectionA/Title | 3 | Secretary/CEO |
| IRS990/Form990PartVIISectionA/Title | 4 | Trustee |
| IRS990/Form990PartVIISectionA/Title | 5 | Trustee |
| IRS990/Form990PartVIISectionA/Title | 6 | Trustee |
| IRS990/Form990ProvidedToGoverningBody | 0 | 0 |
| IRS990/FormersListed | 0 | 0 |
| IRS990/FSAudited | 0 | 1 |
| IRS990/FSAuditedBasis/FinancialStatementSeparate | 0 | X |
| IRS990/FundraisingActivities | 0 | 0 |
| IRS990/GainOrLoss/Other | 0 | 0 |
| IRS990/GainOrLoss/Securities | 0 | 0 |
| IRS990/Gaming | 0 | 0 |
| IRS990/Grants | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | 0 |
| IRS990/GrantsToOrganizations | 0 | 0 |
| IRS990/GrantToRelatedPerson | 0 | 0 |
| IRS990/GrossReceipts | 0 | 288848 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IncomeFromInvestBondProceeds/ExclusionAmount | 0 | 0 |
| IRS990/IncomeFromInvestBondProceeds/RelatedOrExemptFunctionIncome | 0 | 0 |
| IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn | 0 | 0 |
| IRS990/IncomeFromInvestBondProceeds/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 0 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InformationTechnology/Total | 0 | 29831 |
| IRS990/Insurance/Total | 0 | 9742 |
| IRS990/Interest/Total | 0 | 28766 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 62279 |
| IRS990/InvestmentIncome/ExclusionAmount | 0 | 0 |
| IRS990/InvestmentIncomePriorYear | 0 | 80167 |
| IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome | 0 | 62279 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 62279 |
| IRS990/InvestmentIncome/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/InvestmentsOtherSecurities/BOY | 0 | 3405026 |
| IRS990/InvestmentsOtherSecurities/EOY | 0 | 4022690 |
| IRS990/InvestmentsProgramRelated/BOY | 0 | 527126 |
| IRS990/InvestmentsProgramRelated/EOY | 0 | 238835 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 0 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 13915 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 21067 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 13915 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 1 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 1 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 0 | To encourage thrift among its members, provide a variety of financial services to its members and provide an opportunity for its members to use and control their own money on a democratic basis in order to improve their economic condition. |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | Annette Swidwinski |
| IRS990/NbrIndependentVotingMembers | 0 | 6 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 7 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 7 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 803742 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 814081 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 184 |
| IRS990/NumberIndependentVotingMembers | 0 | 6 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 7 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/Total | 0 | 29373 |
| IRS990/OfficeExpenses/Total | 0 | 46652 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 90788 |
| IRS990/OtherAssetsTotal/EOY | 0 | 89344 |
| IRS990/OtherExpensePriorYear | 0 | 205057 |
| IRS990/OtherExpensesCurrentYear | 0 | 176001 |
| IRS990/OtherExpenses/Description | 0 | Loan Servicing |
| IRS990/OtherExpenses/Description | 1 | Examination Fee |
| IRS990/OtherExpenses/Description | 2 | NCUSIF Stabilization |
| IRS990/OtherExpenses/Description | 3 | Miscellaneous |
| IRS990/OtherExpenses/Total | 0 | 16460 |
| IRS990/OtherExpenses/Total | 1 | 6640 |
| IRS990/OtherExpenses/Total | 2 | 6236 |
| IRS990/OtherExpenses/Total | 3 | 193 |
| IRS990/OtherLiabilities/BOY | 0 | 6295441 |
| IRS990/OtherLiabilities/EOY | 0 | 6481740 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 2989297 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 2760155 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherRevenuePriorYear | 0 | 0 |
| IRS990/OtherSalariesAndWages/Total | 0 | 37464 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/BOY | 0 | 0 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/EOY | 0 | 0 |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PayrollTaxes/Total | 0 | 11813 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 16934 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 19719 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 522100 |
| IRS990/ProgramServiceRevenueCY | 0 | 226569 |
| IRS990/ProgramServiceRevenue/Description | 0 | Loan Interest |
| IRS990/ProgramServiceRevenue/Description | 1 | Fee & Other Income |
| IRS990/ProgramServiceRevenue/ExclusionAmount | 0 | 0 |
| IRS990/ProgramServiceRevenue/ExclusionAmount | 1 | 0 |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 244063 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 189057 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 37512 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 189057 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 37512 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 1 | 0 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/ReconcilationDonatedServices | 0 | 0 |
| IRS990/ReconcilationInvestExpenses | 0 | 0 |
| IRS990/ReconcilationOtherChanges | 0 | 0 |
| IRS990/ReconcilationPriorAdjustment | 0 | -1 |
| IRS990/ReconcilationRevenueExpenses | 0 | 13676 |
| IRS990/ReconciliationUnrealizedInvest | 0 | -3336 |
| IRS990/RegularMonitoringEnforcement | 0 | 1 |
| IRS990/RelatedEntity | 0 | 0 |
| IRS990/RelatedOrgControlledEntity | 0 | 0 |
| IRS990/RentalIncomeOrLoss/Personal | 0 | 0 |
| IRS990/RentalIncomeOrLoss/Real | 0 | 0 |
| IRS990/ReportFin48Footnote | 0 | 0 |
| IRS990/ReportInvestOthSecurities | 0 | 1 |
| IRS990/ReportLandBldgEquip | 0 | 1 |
| IRS990/ReportOtherAssets | 0 | 0 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 803742 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 814081 |
| IRS990/Revenue | 0 | 0 |
| IRS990/RevenuesLessExpensesCY | 0 | 13676 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | 31571 |
| IRS990/RoyaltiesRevenue/ExclusionAmount | 0 | 0 |
| IRS990/RoyaltiesRevenue/RelatedOrExemptFunctionIncome | 0 | 0 |
| IRS990/RoyaltiesRevenue/TotalRevenueColumn | 0 | 0 |
| IRS990/RoyaltiesRevenue/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/SalariesEtcCurrentYear | 0 | 99171 |
| IRS990/SalariesEtcPriorYear | 0 | 87602 |
| IRS990/ScheduleBRequired | 0 | 0 |
| IRS990ScheduleD/Buildings/BookValue | 0 | 0 |
| IRS990ScheduleD/Buildings/Depreciation | 0 | 0 |
| IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/Buildings/OtherCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/Equipment/BookValue | 0 | 13915 |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 0 |
| IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 13915 |
| IRS990ScheduleD/Land/BookValue | 0 | 0 |
| IRS990ScheduleD/Land/InvestmentCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovements/BookValue | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovements/Depreciation | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildings/BookValue | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildings/Depreciation | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis | 0 | 0 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 6481740 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | Member Shares |
| IRS990ScheduleD/OtherSecurities/BookValue | 0 | 3797000 |
| IRS990ScheduleD/OtherSecurities/BookValue | 1 | 225690 |
| IRS990ScheduleD/OtherSecurities/Description | 0 | Certificates of Deposit |
| IRS990ScheduleD/OtherSecurities/Description | 1 | US Government Security |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 0 | C |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 1 | F |
| IRS990ScheduleD/TotalOfAmounts | 0 | 6481740 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 13915 |
| IRS990ScheduleD/TotalOfBookValueSecurities | 0 | 4022690 |
| IRS990/ScheduleJRequired | 0 | 0 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | Audited Financial Statements were completed as of September 30th. The Credit Union's tax year ends December 31st, therefore Schedule D parts XI, XII and XIII cannot be completed. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | The Credit Union has a single class of members with equal rights of ownership, governance and voting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | The Board of Directors are elected by the members at the annual meeting for 3 year terms. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | By-Law changes and mergers would be approved by the membership at the annual meeting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | The CEO reviews the return and notifies the board it is available for review prior to filing. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | Due to the small size of the Credit Union, conflicts of interest are discussed at Board meetings. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | Financial Statements are posted in the lobby of the Credit Union, other documents and policies are available for review upon request. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | F990_P04_S00_L12a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | F990_P06_S0A_L06 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | F990_P06_S0A_L07a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | F990_P06_S0A_L07b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | F990_P06_S0B_L11b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | F990_P06_S0B_L12c |
| IRS990ScheduleO/GeneralExplanation/Identifier | 6 | F990_P06_S0C_L19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | Form 990, Part IV, Line 12a |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/ScheduleORequired | 0 | 1 |
| IRS990/School | 0 | 0 |
| IRS990/SignificantChange | 0 | 0 |
| IRS990/SignificantNewProgramServices | 0 | 0 |
| IRS990/StateLegalDomicile | 0 | MI |
| IRS990/SubjectToProxyTax | 0 | 0 |
| IRS990/TaxablePartyNotification | 0 | 0 |
| IRS990/TaxExemptBonds | 0 | 0 |
| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 42700 Schoenherr |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine2 | 0 | No 6 |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | Sterling Heights |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | MI |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 48313 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | SLC Credit Union |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 5862473100 |
| IRS990/TotalAssets/BOY | 0 | 7118240 |
| IRS990/TotalAssetsBOY | 0 | 7118240 |
| IRS990/TotalAssets/EOY | 0 | 7303184 |
| IRS990/TotalAssetsEOY | 0 | 7303184 |
| IRS990/TotalCompGT150K | 0 | 0 |
| IRS990/TotalContributions | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 275172 |
| IRS990/TotalExpensesPriorYear | 0 | 292659 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 0 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 275172 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 0 |
| IRS990/TotalLiabilities/BOY | 0 | 6314498 |
| IRS990/TotalLiabilitiesBOY | 0 | 6314498 |
| IRS990/TotalLiabilities/EOY | 0 | 6489103 |
| IRS990/TotalLiabilitiesEOY | 0 | 6489103 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 7118240 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 7303184 |
| IRS990/TotalNbrEmployees | 0 | 7 |
| IRS990/TotalNbrVolunteers | 0 | 12 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 803742 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 814081 |
| IRS990/TotalOfOtherProgramServiceExp | 0 | 0 |
| IRS990/TotalOfOtherProgramServiceGrnt | 0 | 0 |
| IRS990/TotalOfOtherProgramServiceRev | 0 | 0 |
| IRS990/TotalOtherCompensation | 0 | 438 |
| IRS990/TotalOtherRevenue | 0 | 0 |
| IRS990/TotalOthProgramServiceRevenue/ExclusionAmount | 0 | 0 |
| IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 0 |
| IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn | 0 | 0 |
| IRS990/TotalOthProgramServiceRevenue/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceExpense | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 226569 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 49456 |
| IRS990/TotalRevenueCurrentYear | 0 | 288848 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 0 |
| IRS990/TotalRevenuePriorYear | 0 | 324230 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 288848 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 288848 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/TypeOfOrganizationOther | 0 | X |
| IRS990/TypeOfOrgOtherDescription | 0 | credit union |
| IRS990/UnrelatedBusinessIncome | 0 | 0 |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | www.shareteccu.com/SLC |
| IRS990/WhistleblowerPolicy | 0 | 0 |
| IRS990/YearFormation | 0 | 1957 |
| ReturnHeader/BuildTS | 0 | 2016-03-07 17:11:31Z |
| ReturnHeader/Filer/EIN | 0 | 381550540 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | SLC Credit Union |
| ReturnHeader/Filer/NameControl | 0 | SLCC |
| ReturnHeader/Filer/Phone | 0 | 5862473100 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 42700 Schoenherr |
| ReturnHeader/Filer/USAddress/AddressLine2 | 0 | No 6 |
| ReturnHeader/Filer/USAddress/City | 0 | Sterling Heights |
| ReturnHeader/Filer/USAddress/State | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 48313 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | 1 |
| ReturnHeader/Officer/DateSigned | 0 | 2013-10-11 |
| ReturnHeader/Officer/Name | 0 | Annette Swidwinski |
| ReturnHeader/Officer/Phone | 0 | 5862473100 |
| ReturnHeader/Officer/Title | 0 | CEO |
| ReturnHeader/Preparer/DatePrepared | 0 | 2013-10-11 |
| ReturnHeader/PreparerFirm/EIN | 0 | 382336859 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | Cindrich Mahalak & Co |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 31215 Jefferson Ave |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | St Clair Shores |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | MI |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 48082 |
| ReturnHeader/Preparer/Name | 0 | Julia Lynn Rust |
| ReturnHeader/Preparer/Phone | 0 | 5862961155 |
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