Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1602298 • 501(c)14 • Traverse City, MI

View Organization Page

Profile

To serve the community and build trusted relationships.

630 East Front StreetTraverse City, MI 49686

www.tbacu.com

Siviq Scores

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

Liabilities / Assets

16th percentile

0.86x

Higher debt load relative to assets than 16% of similar nonprofits.

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

Liabilities / Revenue

55th percentile

15.30x

Higher debt load relative to revenue than 55% of similar nonprofits.

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

Net Margin

90th percentile

22%

Higher net margin than 90% of similar nonprofits.

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

Top Officer Pay

58th percentile

$478,187

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

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

Asset Growth

77th percentile

6.5%

Faster asset growth than 77% of similar nonprofits.

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

Revenue Growth

65th percentile

17%

Faster revenue growth than 65% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets16th percentile

Assets

Up

$368,914,484

Up $22,362,404 (+6.5%) from 2023

Liabilities

Up

$317,706,705

Up $18,022,006 (+6.0%) from 2023

Net Assets

Up

$51,207,779

Up $4,340,398 (+9.3%) from 2023

Operations
Liabilities / Revenue55th percentileNet Margin90th percentile

Revenue

Up

$20,758,463

Up $2,963,215 (+17%) from 2023

Expenses

Up

$16,169,434

Up $3,642,407 (+29%) from 2023

Net Income

Down

$4,589,029

Down $679,192 (-13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

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

$400M$300M$200M$100M$0Assets 2010: $139,597,783Liabilities 2010: $124,276,658Net Assets 2010: $15,321,1252010Assets 2011: $146,751,427Liabilities 2011: $128,570,536Net Assets 2011: $18,180,8912011Assets 2012: $159,423,365Liabilities 2012: $138,918,603Net Assets 2012: $20,504,7622012Assets 2013: $160,011,259Liabilities 2013: $137,788,789Net Assets 2013: $22,222,4702013Assets 2014: $179,863,612Liabilities 2014: $156,451,662Net Assets 2014: $23,411,9502014Assets 2015: $174,661,281Liabilities 2015: $148,561,563Net Assets 2015: $26,099,7182015Assets 2016: $191,325,200Liabilities 2016: $163,379,320Net Assets 2016: $27,945,8802016Assets 2017: $205,341,026Liabilities 2017: $175,753,465Net Assets 2017: $29,587,5612017Assets 2018: $218,594,615Liabilities 2018: $186,880,339Net Assets 2018: $31,714,2762018Assets 2019: $231,267,119Liabilities 2019: $197,448,074Net Assets 2019: $33,819,0452019Assets 2020: $279,941,839Liabilities 2020: $244,357,615Net Assets 2020: $35,584,2242020Assets 2021: $332,481,629Liabilities 2021: $293,226,049Net Assets 2021: $39,255,5802021Assets 2022: $344,647,354Liabilities 2022: $301,785,227Net Assets 2022: $42,862,1272022Assets 2023: $346,552,080Liabilities 2023: $299,684,699Net Assets 2023: $46,867,3812023Assets 2024: $368,914,484Liabilities 2024: $317,706,705Net Assets 2024: $51,207,7792024

Highlighted filing

2024

Assets$368,914,484
Liabilities$317,706,705
Net Assets$51,207,779
Open 2024 Filing

Operations Trend

Revenue Growth65th percentile

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

$30M$20M$10M$0Expenses 2010: $6,892,8092010Expenses 2011: $5,733,1712011Expenses 2012: $5,285,9532012Revenue 2013: $7,139,922Expenses 2013: $5,437,023Net Income 2013: $1,702,8992013Revenue 2014: $7,674,136Expenses 2014: $5,921,444Net Income 2014: $1,752,6922014Revenue 2015: $7,691,815Expenses 2015: $6,075,377Net Income 2015: $1,616,4382015Revenue 2016: $8,488,205Expenses 2016: $6,648,154Net Income 2016: $1,840,0512016Revenue 2017: $9,171,648Expenses 2017: $7,517,735Net Income 2017: $1,653,9132017Revenue 2018: $10,364,334Expenses 2018: $8,213,505Net Income 2018: $2,150,8292018Revenue 2019: $10,899,094Expenses 2019: $8,842,554Net Income 2019: $2,056,5402019Revenue 2020: $11,309,058Expenses 2020: $9,643,221Net Income 2020: $1,665,8372020Revenue 2021: $11,959,829Expenses 2021: $8,343,991Net Income 2021: $3,615,8382021Revenue 2022: $12,556,006Expenses 2022: $9,525,692Net Income 2022: $3,030,3142022Revenue 2023: $17,795,248Expenses 2023: $12,527,027Net Income 2023: $5,268,2212023Revenue 2024: $20,758,463Expenses 2024: $16,169,434Net Income 2024: $4,589,0292024

Highlighted filing

2024

Revenue$20,758,463
Expenses$16,169,434
Net Income$4,589,029
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
$368,914,484
Liabilities
$317,706,705
Net assets
$51,207,779
Revenue
$20,758,463
Expenses
$16,169,434
Net income
$4,589,029
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$369$318$51.2$20.8$16.2$4.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$347$300$46.9$17.8$12.5$5.27
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$345$302$42.9$12.6$9.53$3.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$332$293$39.3$12.0$8.34$3.62
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$280$244$35.6$11.3$9.64$1.67
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$231$197$33.8$10.9$8.84$2.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$219$187$31.7$10.4$8.21$2.15
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$205$176$29.6$9.17$7.52$1.65
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$191$163$27.9$8.49$6.65$1.84
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$175$149$26.1$7.69$6.08$1.62
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$180$156$23.4$7.67$5.92$1.75
2013Detailed filing. Detailed filing data is available for this year.$160$138$22.2$7.14$5.44$1.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$159$139$20.5$5.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$129$18.2$5.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$124$15.3$6.89
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 30, 2025
Return Version
2024v5.1
Gross Receipts
$25,216,473
Mission and Program Overview

Mission

To provide financial services to member owners with a common bond. To serve the community and build trusted relationship.

To serve the community and build trusted relationship

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$227,856,232$245,103,735▲ $17,247,503
Rtn Earn Endowment Incm Other Fnds$46,867,381$51,207,779▲ $4,340,398
Savings and Temporary Cash Investments$33,662,269$45,155,898▲ $11,493,629
Investments in Publicly Traded Securities$23,885,774$30,286,253▲ $6,400,479
Investments Other Securities$43,427,596$30,115,362▼ $13,312,234
Land, Buildings, and Equipment, Net$9,652,307$9,987,505▲ $335,198
Cash and Non-Interest-Bearing Accounts$1,540,536$1,531,344▼ $9,192
Prepaid Expenses and Deferred Charges$1,527,018$1,459,436▼ $67,582
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Accounts Receivable$20,183$-13,368▼ $33,551
Total Assets$346,552,080$368,914,484▲ $22,362,404
Other Assets Total$4,980,165$5,288,319▲ $308,154
Liabilities
Other Liabilities$297,266,331$314,764,636▲ $17,498,305
Accounts Payable and Accrued Expenses$2,418,368$2,942,069▲ $523,701
Total Liabilities$299,684,699$317,706,705▲ $18,022,006
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,867,381$51,207,779▲ $4,340,398
Total Liabilities and Net Assets / Fund Balance$346,552,080$368,914,484▲ $22,362,404

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,960,065$1,553,108$5,513,173
Land$4,838,346-$4,838,346
Other Land Buildings$1,092,867$1,154,247$2,247,114
Equipment$96,227$433,262$529,489
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen BrowneCEOFT$300,613$177,574$478,187
Christopher MillironVice PresidentFT$157,631$66,314$223,945
Stacyann SmithCFOFT$147,533$45,346$210,777
Meghan ChenowethVice PresidentFT$136,526$43,742$180,268
Ming MaysDirectorFT$124,303$35,904$180,203
Abby SmithDirectorFT$116,639$90,649$169,394
Carrie EppingerDirectorFT$54,757$99,989$154,746

Board Members and Trustees

NameTitle
Dave SemanChairman
Adam BevierDirector
Dan BradyDirector
Jessica YoungDirector
Kyle AttwoodDirector
Kathleen DouglasSecretary
Kathering Walker-telmaTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Financial Systems CorpITM Machines/Software1701 Quincy Ave STE 5, Naperville, IL 60540$643,777
CUAnswersData Processing600 28th St SE 100, Grand Rapids, MI 49546$557,228
Blue Care NetworkHealth Care Insurance20500 Civic Center Dr, Southfield, MI 48076$395,179
FisCard Processor11601 Roosevelt Blvd, St Petersburg, FL 33716$276,047
VDA LabsCyber-security Solution5020 East Beltline Ave Ste 205, Grand Rapids, MI 49525$220,950
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,593,980
Investment Income
$2,110,668
Other Revenue
$53,815
Change in Net Assets
$4,589,029
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,836,619
Salaries, Compensation, and Employee Benefits$6,314,910
Grants and Similar Amounts Paid$17,905
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$4,528,130
Other Salaries and Wages---$3,752,269
Current Officers, Directors, Trustees, and Key Employees---$1,597,520
Office Expenses---$1,058,850
Information Technology---$735,542
Other Employee Benefits---$444,369
Occupancy---$431,532
Payroll Taxes---$365,221
Depreciation Depletion---$319,101
Advertising---$245,469
Other Expenses---$173,335
Pension Plan Contributions---$155,531
Travel---$135,179
Payments to Affiliates---$70,072
Insurance---$59,396
All Other Expenses---$47,850
Grants to Domestic Individuals---$17,905
Fees for Services Legal---$17,198
Total Functional Expenses$0$0$0$16,169,434
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
BROWN'S ELECTRICAL SERVSpouse of CEOSmall Scale Maint CallsNo-

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$311,203,096
Def Comp$3,015,193
Other Liabilities$546,345
Rounding$2
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

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

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

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

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

“Mergers are voted on by entire membership”

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

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

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

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

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

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

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

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

Form 990, Part VI, Section C, Line 19

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance call reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Tba Credit Union
EIN
38-1602298
Phone
2319467090
Address
630 EAST FRONT STREET, TRAVERSE CITY, MI 49686

Signing Officer

Name
Karen Browne
Title
CEO
Signed
2025-04-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karen Browne
Formed
1955
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
88
Volunteers
7

Preparer

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

Additional Explanations

Form 990, Part III, Line 2

“Implementation of MISaves, MoneyMap Budgeting Tool, Video Chat, Lobby Kiosks, HSA CD, Real Time Payments, and FIS Payments One Migration programs.”

Raw XML AppendixShowing 400 of 560 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
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02942069
IRS990/AccountsReceivableGrp/BOYAmt020183
IRS990/AccountsReceivableGrp/EOYAmt0-13368
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO SERVE THE COMMUNITY AND BUILD TRUSTED RELATIONSHIP
IRS990/AdvertisingGrp/TotalAmt0245469
IRS990/AllOtherExpensesGrp/TotalAmt047850
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
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IRS990/BooksInCareOfDetail/PersonNm0STACYANN SMITH
IRS990/BooksInCareOfDetail/PhoneNum02319467090
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0630 EAST FRONT STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0TRAVERSE CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049686
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt06
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IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01597520
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0557228
IRS990/ContractorCompensationGrp/CompensationAmt1395179
IRS990/ContractorCompensationGrp/CompensationAmt2276047
IRS990/ContractorCompensationGrp/CompensationAmt3220950
IRS990/ContractorCompensationGrp/CompensationAmt4643777
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt211601 Roosevelt Blvd
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt41701 Quincy Ave STE 5
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1SOUTHFIELD
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
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IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1HEALTH CARE INSURANCE
IRS990/ContractorCompensationGrp/ServicesDesc2CARD PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc3CYBER-SECURITY SOLUTION
IRS990/ContractorCompensationGrp/ServicesDesc4ITM Machines/Software
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt020758463
IRS990/DecisionsSubjectToApprovaInd0true
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IRS990/DeductibleNonCashContriInd0false
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IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
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IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
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IRS990/EmploymentTaxReturnsFiledInd0true
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IRS990/FeesForServicesLobbyingGrp/TotalAmt00
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IRS990/FeesForServicesOtherGrp/TotalAmt00
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IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
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IRS990/ForeignOfficeInd0false
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