Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1559604

Jan 01, 2012 to Dec 31, 2012 • Filed on Feb 26, 2013

Organization Profilewww.tricu.org

View Organization Page

905 Pennoyer49417
Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

56th percentile

4.3%

Faster asset growth than 56% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$26,116,894

Up $1,087,947 (+4.3%) from 2011

Net Assets

Up

$2,460,008

Up $130,413 (+5.6%) from 2011

Liabilities

Up

$23,656,886

Up $957,534 (+4.2%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$941,080

Down $82,866 (-8.1%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$60M$40M$20M$0Assets 2011: $25,028,947Liabilities 2011: $22,699,352Net Assets 2011: $2,329,5952011Assets 2012: $26,116,894Liabilities 2012: $23,656,886Net Assets 2012: $2,460,0082012Assets 2013: $28,524,641Liabilities 2013: $25,910,020Net Assets 2013: $2,614,6212013Assets 2014: $28,300,914Liabilities 2014: $25,564,542Net Assets 2014: $2,736,3722014Assets 2015: $30,439,791Liabilities 2015: $27,579,651Net Assets 2015: $2,860,1402015Assets 2016: $33,251,246Liabilities 2016: $30,161,008Net Assets 2016: $3,090,2382016Assets 2017: $31,920,668Liabilities 2017: $28,629,840Net Assets 2017: $3,290,8282017Assets 2018: $31,946,942Liabilities 2018: $28,225,037Net Assets 2018: $3,721,9052018Assets 2019: $33,861,433Liabilities 2019: $29,717,766Net Assets 2019: $4,143,6672019Assets 2020: $41,171,681Liabilities 2020: $36,774,013Net Assets 2020: $4,397,6682020Assets 2021: $48,237,871Liabilities 2021: $43,508,399Net Assets 2021: $4,729,4722021Assets 2022: $47,836,843Liabilities 2022: $42,192,217Net Assets 2022: $5,644,6262022Assets 2023: $48,034,282Liabilities 2023: $42,120,076Net Assets 2023: $5,914,2062023

Highlighted filing

2012

Assets$26,116,894
Liabilities$23,656,886
Net Assets$2,460,008
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0Expenses 2011: $1,023,9462011Expenses 2012: $941,0802012Revenue 2013: $1,055,971Expenses 2013: $901,358Net Income 2013: $154,6132013Revenue 2014: $1,077,517Expenses 2014: $955,766Net Income 2014: $121,7512014Revenue 2015: $1,080,114Expenses 2015: $956,346Net Income 2015: $123,7682015Revenue 2016: $1,117,011Expenses 2016: $886,913Net Income 2016: $230,0982016Revenue 2017: $1,204,953Expenses 2017: $1,004,363Net Income 2017: $200,5902017Revenue 2018: $1,419,949Expenses 2018: $988,872Net Income 2018: $431,0772018Revenue 2019: $1,621,090Expenses 2019: $1,199,328Net Income 2019: $421,7622019Revenue 2020: $1,590,033Expenses 2020: $1,336,032Net Income 2020: $254,0012020Revenue 2021: $1,601,833Expenses 2021: $1,270,029Net Income 2021: $331,8042021Revenue 2022: $2,311,299Expenses 2022: $1,396,145Net Income 2022: $915,1542022Revenue 2023: $2,204,309Expenses 2023: $1,745,982Net Income 2023: $458,3272023

Highlighted filing

2012

Revenue-
Expenses$941,080
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Feb 26, 2013
Return Version
2012v2.0
Gross Receipts
$1,081,147
Mission and Program Overview

Mission

Provide financial services and products to members.

Major Activities

Activity 2
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 12/31/2012 was 1,415.
Filing and Contact Details

Filer

EIN
38-1559604
Raw XML AppendixShowing 400 of 440 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY010378
IRS990/AccountsPayableAccruedExpenses/EOY0157924
IRS990/AccountsReceivable/EOY00
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2012 was 1,415.
IRS990/ActivityOrMissionDescription0Provide financial services and products to members.
IRS990/AddressPrincipalOfficerUS/AddressLine10905 Pennoyer
IRS990/AddressPrincipalOfficerUS/City0Grand Haven
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode049417
IRS990/Advertising/Total011625
IRS990/AllAffiliatesIncluded0false
IRS990/AllOtherExpenses/Total043525
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/AuditCommittee0true
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsToMembers/Total00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0392392
IRS990/CashNonInterestBearing/EOY0276408
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total068021
IRS990/CompDisqualPersons/Total00
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total00
IRS990/ConflictOfInterestPolicy0true
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine106000 28th Street SE Suite 100
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City0Grand Rapids
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State0MI
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode049546
IRS990/ContractorCompensation/Compensation0117999
IRS990/ContractorCompensation/DescriptionOfServices0Data Processing
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine10CU Answers
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total020334
IRS990/DescribedIn501C30false
IRS990/Description0The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2012 was 4,535.
IRS990/DisregardedEntity0false
IRS990/DistributionToDonor0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/EscrowAccount0false
IRS990/ExcessBenefitTransaction0false
IRS990/ExcessBusinessHoldings0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total017909
IRS990/FeesForServicesInvstMgmntFees/Total00
IRS990/FeesForServicesLegal/Total00
IRS990/FeesForServicesLobbying/Total00
IRS990/FeesForServicesManagement/Total00
IRS990/FeesForServicesOther/Total021649
IRS990/FeesForServicesProfFundraising/Total00
IRS990/FiledLieu10410false
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignGrants/Total00
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek51.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek61.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek740.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated00.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated10.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated20.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated30.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated40.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated50.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated60.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated70.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/NamePerson0Adele Zelenka
IRS990/Form990PartVIISectionA/NamePerson1Elizabeth Brode
IRS990/Form990PartVIISectionA/NamePerson2John Steinbach
IRS990/Form990PartVIISectionA/NamePerson3Archie Warhurst
IRS990/Form990PartVIISectionA/NamePerson4Seth Longcore
IRS990/Form990PartVIISectionA/NamePerson5Sindee Maxwell
IRS990/Form990PartVIISectionA/NamePerson6Robert Sabine
IRS990/Form990PartVIISectionA/NamePerson7Sara Redeker
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization775579
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/Title0Director
IRS990/Form990PartVIISectionA/Title1Director
IRS990/Form990PartVIISectionA/Title2Director
IRS990/Form990PartVIISectionA/Title3Vice Chairman
IRS990/Form990PartVIISectionA/Title4Treasurer
IRS990/Form990PartVIISectionA/Title5Secretary
IRS990/Form990PartVIISectionA/Title6Chairman
IRS990/Form990PartVIISectionA/Title7President & CEO
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0true
IRS990/FSAuditedBasis/FinancialStatementSeparate0X
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToDomesticIndividuals/Total00
IRS990/GrantsToDomesticOrgs/Total00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts01081147
IRS990/GrossRents/Real07875
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total066639
IRS990/Insurance/Total014977
IRS990/IntangibleAssets/EOY00
IRS990/Interest/Total068790
IRS990/InventoriesForSaleOrUse/EOY00
IRS990/InvestmentIncomeCurrentYear0142604
IRS990/InvestmentIncomePriorYear0166586
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0142604
IRS990/InvestmentIncome/TotalRevenueColumn0142604
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY07330897
IRS990/InvestmentsOtherSecurities/EOY07099500
IRS990/InvestmentsProgramRelated/EOY00
IRS990/InvestmentsPubTradedSecurities/EOY00
IRS990/InvestTaxExemptBonds0false
IRS990/LandBldgEquipmentAccumDeprec0650309
IRS990/LandBuildingsEquipmentBasis0924439
IRS990/LandBuildingsEquipmentBasisNet/BOY0284405
IRS990/LandBuildingsEquipmentBasisNet/EOY0274130
IRS990/LessRentalExpenses/Real09654
IRS990/LicensedMoreThanOneState0false
IRS990/LoanToOfficerOrDQP0true
IRS990/LobbyingActivities0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Sara Redeker
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY02329595
IRS990/NetAssetsOrFundBalancesEOY02460008
IRS990/NetGainOrLossInvestments/TotalRevenueColumn00
IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn00
IRS990/NetIncomeFromGaming/TotalRevenueColumn00
IRS990/NetIncomeOrLoss/TotalRevenueColumn00
IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn0-1779
IRS990/NetRentalIncomeOrLoss/UnrelatedBusinessRevenue0-1779
IRS990/NetUnrelatedBusinessTxblIncome02528
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109602791
IRS990/NumberIndependentVotingMembers07
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K01
IRS990/NumberOfEmployees012
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total046536
IRS990/OfficeExpenses/Total046757
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/OnBehalfOfIssuer0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0473611
IRS990/OtherAssetsTotal/EOY0626169
IRS990/OtherEmployeeBenefits/Total023364
IRS990/OtherExpensePriorYear0651324
IRS990/OtherExpensesCurrentYear0597656
IRS990/OtherExpenses/Description0Home Banking/Bill Pay
IRS990/OtherExpenses/Description1NCUA Stabilization Expense
IRS990/OtherExpenses/Description2Loan Servicing
IRS990/OtherExpenses/Description3ATM Expense
IRS990/OtherExpenses/Total021223
IRS990/OtherExpenses/Total122813
IRS990/OtherExpenses/Total260407
IRS990/OtherExpenses/Total3134472
IRS990/OtherLiabilities/BOY022688974
IRS990/OtherLiabilities/EOY023498962
IRS990/OtherNotesLoansReceivableNet/BOY09272052
IRS990/OtherNotesLoansReceivableNet/EOY09598982
IRS990/OtherRevenueCurrentYear026511
IRS990/OtherRevenueMisc/BusinessCode0525990
IRS990/OtherRevenueMisc/BusinessCode1524298
IRS990/OtherRevenueMisc/BusinessCode2524298
IRS990/OtherRevenueMisc/Description0Non-Member ATM Fees
IRS990/OtherRevenueMisc/Description1Insurance Revenues
IRS990/OtherRevenueMisc/Description2GAP Insurance Income
IRS990/OtherRevenueMisc/TotalRevenueColumn02321
IRS990/OtherRevenueMisc/TotalRevenueColumn116865
IRS990/OtherRevenueMisc/TotalRevenueColumn29104
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue02321
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue116865
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue29104
IRS990/OtherRevenuePriorYear017789
IRS990/OtherSalariesAndWages/Total0227101
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total00
IRS990/PayrollTaxes/Total024938
IRS990/PensionPlanContributions/Total00
IRS990/PledgesAndGrantsReceivable/EOY00
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY031135
IRS990/PrepaidExpensesDeferredCharges/EOY023825
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3522100
IRS990/ProgramServiceRevenue/BusinessCode4522100
IRS990/ProgramServiceRevenueCY0902378
IRS990/ProgramServiceRevenue/Description0Other Program Income
IRS990/ProgramServiceRevenue/Description1Non Return Fee Income
IRS990/ProgramServiceRevenue/Description2Interest on Loans
IRS990/ProgramServiceRevenue/Description3Fees & Charges
IRS990/ProgramServiceRevenue/Description4ATM Income
IRS990/ProgramServiceRevenuePriorYear0913160
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome042336
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome177011
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome2549127
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome386399
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome4125302
IRS990/ProgramServiceRevenue/TotalRevenueColumn042336
IRS990/ProgramServiceRevenue/TotalRevenueColumn177011
IRS990/ProgramServiceRevenue/TotalRevenueColumn2549127
IRS990/ProgramServiceRevenue/TotalRevenueColumn386399
IRS990/ProgramServiceRevenue/TotalRevenueColumn4125302
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReceivablesFromDisqualPersons/EOY00
IRS990/ReceivablesFromOfficersEtc/EOY00
IRS990/ReconcilationRevenueExpenses0130413
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/RentalIncomeOrLoss/Real0-1779
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0true
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY02329595
IRS990/RetainedEarningsEndowmentEtc/EOY02460008
IRS990/RevenuesLessExpensesCY0130413
IRS990/RevenuesLessExpensesPriorYear073589
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear0343424
IRS990/SalariesEtcPriorYear0372622
IRS990/SavingsAndTempCashInvestments/BOY07244455
IRS990/SavingsAndTempCashInvestments/EOY08217880
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue0107841
IRS990ScheduleD/Buildings/Depreciation0473273
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0581114
IRS990ScheduleD/Equipment/BookValue030937
IRS990ScheduleD/Equipment/Depreciation030401
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis061338
IRS990ScheduleD/Land/BookValue0131203
IRS990ScheduleD/Land/OtherCostOrOtherBasis0131203
IRS990ScheduleD/LeaseholdImprovements/Depreciation042464
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis042464
IRS990ScheduleD/OtherLandBuildings/BookValue04149
IRS990ScheduleD/OtherLandBuildings/Depreciation0104171
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0108320
IRS990ScheduleD/OtherLiabilities/Amount05031738
IRS990ScheduleD/OtherLiabilities/Amount118467224
IRS990ScheduleD/OtherLiabilities/Description0Member Share Accounts
IRS990ScheduleD/OtherLiabilities/Description1Member Deposit Accounts
IRS990ScheduleD/TotalOfAmounts023498962
IRS990ScheduleD/TotalOfBookValueLandBuildings0274130
IRS990ScheduleD/TotalOfBookValueSecurities07099500
IRS990/ScheduleJRequired0false
IRS990ScheduleL/LoanTable/ApprovedByBoard0true
IRS990ScheduleL/LoanTable/Default0false
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NameBusiness/BusinessNameLine10No loans requiring reporting
IRS990ScheduleL/LoanTable/PurposeOfLoan0per 10/21/11 Instructions
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleO/GeneralExplanation/Explanation0Credit 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/GeneralExplanation/Explanation1Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/GeneralExplanation/Explanation2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Mergers are voted on by entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation5Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation6Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10905 Pennoyer
IRS990/TheBooksAreInCareOf/AddressUS/City0Grand Haven
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode049417
IRS990/TheBooksAreInCareOf/NamePerson0Sara Redeker
IRS990/TheBooksAreInCareOf/TelephoneNumber06168426320
IRS990/TotalAssets/BOY025028947
IRS990/TotalAssetsBOY025028947
IRS990/TotalAssets/EOY026116894
IRS990/TotalAssetsEOY026116894
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear0941080
IRS990/TotalExpensesPriorYear01023946
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total0941080
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI026511
IRS990/TotalLiabilities/BOY022699352
IRS990/TotalLiabilitiesBOY022699352
IRS990/TotalLiabilities/EOY023656886
IRS990/TotalLiabilitiesEOY023656886
IRS990/TotalLiabNetAssetsFundBalances/BOY025028947
IRS990/TotalLiabNetAssetsFundBalances/EOY026116894
IRS990/TotalNbrEmployees012
IRS990/TotalNbrVolunteers08
IRS990/TotalNetAssetsFundBalances/BOY02329595
IRS990/TotalNetAssetsFundBalances/EOY02460008
IRS990/TotalOtherRevenue028290
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome022203
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn022203
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0902378
IRS990/TotalReportableCompFromOrg075579

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$26,116,894
Liabilities
$23,656,886
Net assets
$2,460,008
Revenue
-
Expenses
$941,080
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.0$42.1$5.91$2.20$1.75$0.46
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.8$42.2$5.64$2.31$1.40$0.92
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.2$43.5$4.73$1.60$1.27$0.33
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.2$36.8$4.40$1.59$1.34$0.25
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.9$29.7$4.14$1.62$1.20$0.42
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.9$28.2$3.72$1.42$0.99$0.43
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$31.9$28.6$3.29$1.20$1.00$0.20
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.3$30.2$3.09$1.12$0.89$0.23
2015Detailed filing. Detailed filing data is available for this year.$30.4$27.6$2.86$1.08$0.96$0.12
2014Detailed filing. Detailed filing data is available for this year.$28.3$25.6$2.74$1.08$0.96$0.12
2013Detailed filing. Detailed filing data is available for this year.$28.5$25.9$2.61$1.06$0.90$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.1$23.7$2.46$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$22.7$2.33$1.02