Civic Intelligence

Soo Co-Op Credit Union

EIN 38-1599932 • 501(c)14 • Sault Ste Marie, MI

Profile

To become the members' primary financial institution by providing reliable, comprehensive, courteous and prompt services that are competitive with the market and in tune with members' needs.

4489 I-75 Business SpurSault Ste Marie, MI 49783

www.soocoop.com

Siviq Scores

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

Liabilities / Assets

37th percentile

0.89x

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

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

Liabilities / Revenue

59th percentile

15.52x

Higher debt load relative to revenue than 59% of similar nonprofits.

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

Net Margin

86th percentile

20%

Higher net margin than 86% of similar nonprofits.

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

Top Officer Pay

2nd percentile

$135,496

Higher top officer pay than 2% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

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

Asset Growth

95th percentile

12%

Faster asset growth than 95% of similar nonprofits.

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

Revenue Growth

83rd percentile

22%

Faster revenue growth than 83% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$290,614,498

Up $31,472,582 (+12%) from 2023

Liabilities

Up

$258,723,919

Up $27,094,982 (+12%) from 2023

Net Assets

Up

$31,890,579

Up $4,377,600 (+16%) from 2023

Operations
Liabilities / Revenue59th percentileNet Margin86th percentile

Revenue

Up

$16,668,733

Up $2,980,127 (+22%) from 2023

Expenses

Up

$13,354,706

Up $2,310,301 (+21%) from 2023

Net Income

Up

$3,314,027

Up $669,826 (+25%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$300M$200M$100M$0Assets 2010: $121,215,121Liabilities 2010: $107,395,415Net Assets 2010: $13,819,7062010Assets 2011: $129,855,899Liabilities 2011: $115,114,159Net Assets 2011: $14,741,7402011Assets 2012: $139,547,789Liabilities 2012: $123,770,870Net Assets 2012: $15,776,9192012Assets 2013: $147,284,739Liabilities 2013: $131,420,598Net Assets 2013: $15,864,1412013Assets 2014: $153,742,122Liabilities 2014: $137,442,883Net Assets 2014: $16,299,2392014Assets 2015: $160,407,039Liabilities 2015: $143,613,528Net Assets 2015: $16,793,5112015Assets 2016: $164,420,120Liabilities 2016: $146,004,212Net Assets 2016: $18,415,9082016Assets 2017: $170,703,682Liabilities 2017: $150,149,012Net Assets 2017: $20,554,6702017Assets 2018: $174,429,795Liabilities 2018: $151,686,988Net Assets 2018: $22,742,8072018Assets 2019: $183,957,841Liabilities 2019: $158,215,644Net Assets 2019: $25,742,1972019Assets 2020: $229,537,741Liabilities 2020: $201,151,817Net Assets 2020: $28,385,9242020Assets 2021: $257,417,811Liabilities 2021: $228,435,537Net Assets 2021: $28,982,2742021Assets 2022: $248,562,285Liabilities 2022: $224,819,781Net Assets 2022: $23,742,5042022Assets 2023: $259,141,916Liabilities 2023: $231,628,937Net Assets 2023: $27,512,9792023Assets 2024: $290,614,498Liabilities 2024: $258,723,919Net Assets 2024: $31,890,5792024

Highlighted filing

2024

Assets$290,614,498
Liabilities$258,723,919
Net Assets$31,890,579
Open 2024 Filing

Operations Trend

Revenue Growth83rd percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,477,6052010Expenses 2011: $7,676,6712011Expenses 2012: $7,536,7192012Revenue 2013: $8,580,863Expenses 2013: $7,797,069Net Income 2013: $783,7942013Revenue 2014: $8,424,418Expenses 2014: $7,964,100Net Income 2014: $460,3182014Revenue 2015: $8,197,848Expenses 2015: $7,681,929Net Income 2015: $515,9192015Revenue 2016: $8,881,456Expenses 2016: $7,010,505Net Income 2016: $1,870,9512016Revenue 2017: $9,644,809Expenses 2017: $7,531,579Net Income 2017: $2,113,2302017Revenue 2018: $10,352,829Expenses 2018: $8,163,413Net Income 2018: $2,189,4162018Revenue 2019: $10,968,727Expenses 2019: $8,567,971Net Income 2019: $2,400,7562019Revenue 2020: $10,478,759Expenses 2020: $8,356,103Net Income 2020: $2,122,6562020Revenue 2021: $10,761,200Expenses 2021: $8,754,124Net Income 2021: $2,007,0762021Revenue 2022: $11,817,651Expenses 2022: $9,544,273Net Income 2022: $2,273,3782022Revenue 2023: $13,688,606Expenses 2023: $11,044,405Net Income 2023: $2,644,2012023Revenue 2024: $16,668,733Expenses 2024: $13,354,706Net Income 2024: $3,314,0272024

Highlighted filing

2024

Revenue$16,668,733
Expenses$13,354,706
Net Income$3,314,027
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$290,614,498
Liabilities
$258,723,919
Net assets
$31,890,579
Revenue
$16,668,733
Expenses
$13,354,706
Net income
$3,314,027
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$291$259$31.9$16.7$13.4$3.31
2023Detailed filing. Detailed filing data is available for this year.$259$232$27.5$13.7$11.0$2.64
2022Detailed filing. Detailed filing data is available for this year.$249$225$23.7$11.8$9.54$2.27
2021Detailed filing. Detailed filing data is available for this year.$257$228$29.0$10.8$8.75$2.01
2020Detailed filing. Detailed filing data is available for this year.$230$201$28.4$10.5$8.36$2.12
2019Detailed filing. Detailed filing data is available for this year.$184$158$25.7$11.0$8.57$2.40
2018Detailed filing. Detailed filing data is available for this year.$174$152$22.7$10.4$8.16$2.19
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$171$150$20.6$9.64$7.53$2.11
2016Detailed filing. Detailed filing data is available for this year.$164$146$18.4$8.88$7.01$1.87
2015Detailed filing. Detailed filing data is available for this year.$160$144$16.8$8.20$7.68$0.52
2014Detailed filing. Detailed filing data is available for this year.$154$137$16.3$8.42$7.96$0.46
2013Detailed filing. Detailed filing data is available for this year.$147$131$15.9$8.58$7.80$0.78
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$124$15.8$7.54
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$115$14.7$7.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$107$13.8$7.48
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.0
Gross Receipts
$16,668,733
Mission and Program Overview

Mission

To become the members' primary financial institution by providing reliable, comprehensive, courteous and prompt services that are competitive with the market and in tune with members' needs.

To become the members' primary financial institution by providing reliable, comprehensive, courteous, and prompt services that are competitive with the market and in tune with members' needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$165,850,240$169,117,723▲ $3,267,483
Investments in Publicly Traded Securities$64,561,546$59,197,754▼ $5,363,792
Savings and Temporary Cash Investments$14,522,522$47,632,160▲ $33,109,638
Rtn Earn Endowment Incm Other Fnds$27,512,979$31,890,579▲ $4,377,600
Land, Buildings, and Equipment, Net$4,711,128$4,559,799▼ $151,329
Receivables From Officers Etc$2,185,738$2,185,738→ $0
Investments Other Securities$566,250$566,250→ $0
Prepaid Expenses and Deferred Charges$422,229$529,757▲ $107,528
Total Assets$259,141,916$290,614,498▲ $31,472,582
Other Assets Total$6,322,263$6,825,317▲ $503,054
Liabilities
Other Liabilities$229,933,222$257,054,065▲ $27,120,843
Accounts Payable and Accrued Expenses$1,639,154$1,610,990▼ $28,164
Escrow Account Liability$56,561$58,864▲ $2,303
Total Liabilities$231,628,937$258,723,919▲ $27,094,982
Net Assets / Fund Balance
Total Net Assets Fund Balance$27,512,979$31,890,579▲ $4,377,600
Total Liabilities and Net Assets / Fund Balance$259,141,916$290,614,498▲ $31,472,582

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,434,026$2,654,657$6,088,683
Equipment$285,745$1,931,045$2,216,790
Land$836,617-$836,617
Other Land Buildings$3,411$86,803$90,214
Leasehold Improvements-$22,335$22,335
Compensation and Service Providers
Top Officer Pay2nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lynda EllisPresident/ceFT$124,294$11,202$135,496
Melissa McclendonVice PresideFT$89,672$5,608$95,280
Joy HillChief FinancFT$82,187$8,118$90,305
Steven RogersDirector & EPT$17,341$353$17,694

Board Members and Trustees

NameTitle
Edwin CookChairperson
Jim RoseDirector
Monica HoolsemaDirector
Tyler MartinDirector
Jo Anne LussierSecretary
Lori LangendorfTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
VeleraAtm/debit Card580 CARILLON PARKWAY, St Petersburg, FL 33716$789,882
Member Driven TechnologiesData Processing30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$681,000
FisCredit Card Pro347 RIVERSIDE AVE, Jacksonville, FL 32202$322,064
Peninsula Fiber Network LLCData Fiber Conn1901 WEST RIDGE STREET, Marquette, MI 49855$116,596
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,135,100
Investment Income
$2,533,633
Other Revenue
$0
Change in Net Assets
$3,314,027

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,668,733
Revenue Not Reported on Form 990
$1,063,573
Total Revenue per Audited Statements
$17,732,306
Total Revenue per Form 990
$16,668,733
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,182,830
Salaries, Compensation, and Employee Benefits$5,171,876
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,663,279
Interest---$2,813,972
Office Expenses---$865,110
Information Technology---$671,508
Other Employee Benefits---$475,477
Pension Plan Contributions---$393,010
Occupancy---$356,682
Current Officers, Directors, Trustees, and Key Employees---$338,775
Payroll Taxes---$301,335
Other Expenses---$290,927
Advertising---$290,026
All Other Expenses---$242,471
Depreciation Depletion---$208,739
Fees for Services Other---$110,330
Conferences and Meetings---$108,182
Insurance---$79,346
Fees for Services Accounting---$42,652
Travel---$20,219
Fees for Services Legal---$18,910
Total Functional Expenses$0$0$0$13,354,706

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,354,706
Total Expenses per Audited Statements$13,354,706
Total Expenses per Form 990$13,354,706
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$2,185,738$2,185,738→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES, SAVINGS AND CERT.$257,054,065
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization's capital consists of payments on shares that have been made by its members. The organization has one class of members.”

Form 990, Page 6, Part VI, Line 7A

“The nominating committee accepts application from interested parties and nominates at least one member for each board of director vacancy, to be elected at the annual membership meeting. Each member that holds at least one fully paid share and who has attained the age of eighteen, is entitled to only one vote, regardless of the number of shares owned.”

Form 990, Page 6, Part VI, Line 8B

“No committee has authority to act on behalf of the governing body.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the chief financial officer and by the president/chief executive officer before filing.”

Form 990, Page 6, Part VI, Line 12C

“The conflict of interest policy is re-signed annually.”

Form 990, Page 6, Part VI, Line 15A

“Salaries for officers are based on a wage scale set by the wage committee, which is approved by the board of directors and recorded in the meeting minutes. A compensation survey is reviewed and compared by the wage committee.”

Form 990, Page 6, Part VI, Line 15B

“Salaries for officers are based on a wage scale set by the wage committee, which is approved by the board of directors and recorded in the meeting minutes. A compensation survey is reviewed and compared by the wage committee.”

Form 990, Page 6, Part VI, Line 19

“The financial statements are posted in the lobby and the other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Soo Co-op Credit Union
EIN
38-1599932
Phone
9066325300
Address
4489 I-75 BUSINESS SPUR, SAULT STE MARIE, MI 49783

Signing Officer

Name
Lynda Ellis
Title
President/CEO
Phone
9066325332
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lynda Ellis
Formed
1958
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
6
Employees
110
Volunteers
7

Preparer

Firm
Andrews Hooper Pavlik Plc
Address
2311 EAST BELTLINE AVE SE STE 200, GRAND RAPIDS, MI 49546
Preparer
Eric a Ryan
Phone
6169426440
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in coli cash surrender value 86,200 unrealized holding gain on other investments 1,167,059 actuarial loss on other post-employment benefits 47,035 net gain on other post-employment benefits realized -236,721 total 1,063,573”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The organization collects real estate taxes and insurance premiums on certain mortgage loans and holds them in escrow accounts. The escrow accounts will be properly distributed to taxing agencies, insurance companies, or returned to members.”

Schedule D, Page 4, Part XI, Line 2D

“Change in coli cash surrender value 86,200 unrealized holding gain on other investments 1,167,059 actuarial loss on other post-employment benefits 47,035 net gain on other post-employment benefits realized -236,721”

Raw XML AppendixShowing 400 of 444 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/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHIEF FINANC
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR & E
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
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IRS990/MissionDesc0TO BECOME THE MEMBERS' PRIMARY FINANCIAL INSTITUTION BY PROVIDING RELIABLE, COMPREHENSIVE, COURTEOUS, AND PROMPT SERVICES THAT ARE COMPETITIVE WITH THE MARKET AND IN TUNE WITH MEMBERS' NEEDS.
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IRS990/OtherExpensesGrp/Desc0ATM EXPENSE
IRS990/OtherExpensesGrp/Desc1VISA EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING FEES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
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IRS990/OtherExpensesGrp/TotalAmt1617977
IRS990/OtherExpensesGrp/TotalAmt2561911
IRS990/OtherExpensesGrp/TotalAmt3290927
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IRS990/PensionPlanContributionsGrp/TotalAmt0393010
IRS990/PoliciesReferenceChaptersInd0true
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0529757
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER PROGRAM SERVICES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13471019
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2285851
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02185738
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt01931045
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IRS990ScheduleD/LandGrp/BookValueAmt0836617
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0836617
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt022335
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt022335
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03411
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt090214
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0257054065
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES, SAVINGS AND CERT.
IRS990ScheduleD/OtherRevenueAmt01063573
IRS990ScheduleD/RevenueNotReportedAmt01063573
IRS990ScheduleD/RevenueSubtotalAmt016668733
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION COLLECTS REAL ESTATE TAXES AND INSURANCE PREMIUMS ON CERTAIN MORTGAGE LOANS AND HOLDS THEM IN ESCROW ACCOUNTS. THE ESCROW ACCOUNTS WILL BE PROPERLY DISTRIBUTED TO TAXING AGENCIES, INSURANCE COMPANIES, OR RETURNED TO MEMBERS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1CHANGE IN COLI CASH SURRENDER VALUE 86,200 UNREALIZED HOLDING GAIN ON OTHER INVESTMENTS 1,167,059 ACTUARIAL LOSS ON OTHER POST-EMPLOYMENT BENEFITS 47,035 NET GAIN ON OTHER POST-EMPLOYMENT BENEFITS REALIZED -236,721
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04559799
IRS990ScheduleD/TotalExpensesPerForm990Amt013354706
IRS990ScheduleD/TotalLiabilityAmt0257054065
IRS990ScheduleD/TotalRevenuePerForm990Amt016668733
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt017732306
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013354706
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0DEFERRED COMPENSATION FUNDING
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01417488
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LYNDA ELLIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0ADDITIONAL INFORMATION FROM PART II: (A) NAME OF PERSON: LYNDA ELLIS (B) RELATIONSHIP WITH ORGANIZATION: PRESIDENT & CEO OF ORGANIZATION (C) PURPOSE OF LOAN: DEFERRED COMPENSATION FUNDING SECURED BY SPLIT DOLLAR LIFE INSURANCE
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART V
IRS990ScheduleL/TotalBalanceDueAmt02185738
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S CAPITAL CONSISTS OF PAYMENTS ON SHARES THAT HAVE BEEN MADE BY ITS MEMBERS. THE ORGANIZATION HAS ONE CLASS OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE NOMINATING COMMITTEE ACCEPTS APPLICATION FROM INTERESTED PARTIES AND NOMINATES AT LEAST ONE MEMBER FOR EACH BOARD OF DIRECTOR VACANCY, TO BE ELECTED AT THE ANNUAL MEMBERSHIP MEETING. EACH MEMBER THAT HOLDS AT LEAST ONE FULLY PAID SHARE AND WHO HAS ATTAINED THE AGE OF EIGHTEEN, IS ENTITLED TO ONLY ONE VOTE, REGARDLESS OF THE NUMBER OF SHARES OWNED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO COMMITTEE HAS AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE CHIEF FINANCIAL OFFICER AND BY THE PRESIDENT/CHIEF EXECUTIVE OFFICER BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CONFLICT OF INTEREST POLICY IS RE-SIGNED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SALARIES FOR OFFICERS ARE BASED ON A WAGE SCALE SET BY THE WAGE COMMITTEE, WHICH IS APPROVED BY THE BOARD OF DIRECTORS AND RECORDED IN THE MEETING MINUTES. A COMPENSATION SURVEY IS REVIEWED AND COMPARED BY THE WAGE COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SALARIES FOR OFFICERS ARE BASED ON A WAGE SCALE SET BY THE WAGE COMMITTEE, WHICH IS APPROVED BY THE BOARD OF DIRECTORS AND RECORDED IN THE MEETING MINUTES. A COMPENSATION SURVEY IS REVIEWED AND COMPARED BY THE WAGE COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND THE OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN COLI CASH SURRENDER VALUE 86,200 UNREALIZED HOLDING GAIN ON OTHER INVESTMENTS 1,167,059 ACTUARIAL LOSS ON OTHER POST-EMPLOYMENT BENEFITS 47,035 NET GAIN ON OTHER POST-EMPLOYMENT BENEFITS REALIZED -236,721 TOTAL 1,063,573
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt0SOO CO-OP
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt0SCCU SERVICES LLC
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IRS990ScheduleR/IdDisregardedEntitiesGrp/PrimaryActivitiesTxt0INSURANCE
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IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/AddressLine1Txt0536 BINGHAM AVE
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/CityNm0SAULT ST MARIE
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IRS990/TotalGrossUBIAmt0381321
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt016668733
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0381321

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