Liabilities / Assets
86th percentile
Higher debt load relative to assets than 86% of similar nonprofits.
990 • Fiscal year 2013 • EIN 38-1603612
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
86th percentile
Higher debt load relative to assets than 86% of similar nonprofits.
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
41st percentile
Higher net margin than 41% of similar nonprofits.
Top Officer Pay
31st percentile
Higher top officer pay than 31% of similar nonprofits.
Top officer pay equals 3.7% 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$91,891,722
Down $357,284 (-0.4%) from 2012
Net Assets
Down$7,435,058
Down $1,561,789 (-17%) from 2012
Liabilities
Up$84,456,664
Up $1,204,505 (+1.4%) from 2012
Revenue
$3,074,618
No earlier filing loaded for comparison.
Expenses
Down$2,861,413
Down $504,308 (-15%) from 2012
Net Income
$213,205
No earlier filing loaded for comparison.
To meet the financial goals of our members with progressive products and services.
To provide financial services to member owners with a common bond.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $58,190,775 | $60,991,107 | ▲ $2,800,332 |
| Other Notes and Loans Receivable, Net | $21,098,551 | $22,239,933 | ▲ $1,141,382 |
| Rtn Earn Endowment Incm Other Fnds | $8,996,847 | $7,435,058 | ▼ $1,561,789 |
| Investments Program Related | $7,673,494 | $3,188,869 | ▼ $4,484,625 |
| Land, Buildings, and Equipment, Net | $2,413,808 | $2,362,562 | ▼ $51,246 |
| Cash and Non-Interest-Bearing Accounts | $1,589,724 | $1,696,864 | ▲ $107,140 |
| Prepaid Expenses and Deferred Charges | $130,492 | $117,189 | ▼ $13,303 |
| Accounts Receivable | $8,314 | $99,647 | ▲ $91,333 |
| Savings and Temporary Cash Investments | - | $30 | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $92,249,006 | $91,891,722 | ▼ $357,284 |
| Other Assets Total | $1,143,848 | $1,195,521 | ▲ $51,673 |
| Liabilities | |||
| Other Liabilities | $83,075,618 | $84,301,854 | ▲ $1,226,236 |
| Accounts Payable and Accrued Expenses | $176,541 | $154,810 | ▼ $21,731 |
| Total Liabilities | $83,252,159 | $84,456,664 | ▲ $1,204,505 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,996,847 | $7,435,058 | ▼ $1,561,789 |
| Total Liabilities and Net Assets / Fund Balance | $92,249,006 | $91,891,722 | ▼ $357,284 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,545,899 | $1,230,004 | $2,775,903 |
| Equipment | $128,363 | $628,794 | $757,157 |
| Land | $688,300 | - | $688,300 |
| Other Land Buildings | $0 | $0 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $18,873,622 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Lisa Cook | President/CEO | FT | $105,179 | $7,724 | $112,903 |
| Karen Toffoli | Vice President/CFO | FT | $70,149 | $17,053 | $87,202 |
| Name | Title |
|---|---|
| Mark Grazioli | Chairperson |
| Caroline Barrett | Vice Chairperson |
| Ann Hartman | Director |
| Christine Dowhan-Bailey | Director |
| John Kettler | Director |
| Mary Dow | Director |
| Mary Sissen | Director |
| Robert LePage | Director |
| Mary Ellen Caruso | Secretary/Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $1,443,567 |
| Other Expenses | $1,417,846 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $988,794 |
| Office Expenses | - | - | - | $420,069 |
| Interest | - | - | - | $216,843 |
| Occupancy | - | - | - | $212,387 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $200,105 |
| Information Technology | - | - | - | $190,359 |
| Other Employee Benefits | - | - | - | $123,671 |
| Depreciation Depletion | - | - | - | $119,433 |
| Insurance | - | - | - | $104,235 |
| Payroll Taxes | - | - | - | $95,881 |
| Pension Plan Contributions | - | - | - | $35,116 |
| Fees for Services Accounting | - | - | - | $25,164 |
| Advertising | - | - | - | $25,138 |
| Fees for Services Other | - | - | - | $18,822 |
| Fees for Services Legal | - | - | - | $12,588 |
| Conferences and Meetings | - | - | - | $7,129 |
| Other Expenses | - | - | - | $7,059 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $97 |
| All Other Expenses | - | - | - | $-7,328 |
| Total Functional Expenses | $0 | $0 | $0 | $2,861,413 |
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $2,861,471 |
| Expenses per Audited Statements | $2,861,413 |
| Total Expenses per Form 990 | $2,861,413 |
| Expenses Not Reported on Form 990 | $58 |
| Expenses Not Reported on Financial Statements | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares | $84,301,854 |
“The Credit Union's Field of Membership was expanded to include Wayne and Monroe counties.”
“The Credit Union has a single class of members with equal rights of ownership, governance and voting.”
“The Board of Directors is elected by the membership at the annual meeting. Each Board Member is elected for a three year term.”
“Changes to the Credit Union by-laws must be approved by the members after they have been approved by the Board of Directors and the regulatory agency.”
“A review is conducted by the President/CEO for complete accuracy prior to submission to the IRS. The Board Chairman reviews prior to E Filing and then the returns are made available to the Board of Directors for review.”
“Disclosure is required when any conflict of interest occur and there is continuous review.”
“The Compensation Committee uses the Michigan Credit Union League Salary Survey (Compease) to help determine salary for the President/CEO and the Vice President/CFO and makes recommendations to the Board of Directors. All compensation and bonuses are approved by the Board of Directors. This process of determining compensation was last completed in 2013.”
“Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon request.”
“Rounding: $-1.”
“Loss on Sale of Fixed Assets included in Revenue on 990, Expense on Financial Statements: $-58.”
“Loss on Sale of Fixed Assets included in Revenue on 990, Expenses on Financial Statements: $58.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 176541 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 154810 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 8314 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 99647 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To provide financial services to member owners with a common bond. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 25138 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | -7328 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | Good Shepherd Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7346753720 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 4111 Fort Street |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Lincoln Park |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 48146 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1589724 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1696864 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 1 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 200105 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 7129 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1333977 |
| IRS990/CYOtherExpensesAmt | 0 | 1417846 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1740641 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 213205 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1443567 |
| IRS990/CYTotalExpensesAmt | 0 | 2861413 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3074618 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 119433 |
| IRS990/Desc | 0 | Provide 8,426 members with Savings, Checking, Special, IRA and Certificate of Deposit accounts totaling 16,227. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 42 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 25164 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 12588 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 18822 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 97 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 7724 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 17053 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Mark Grazioli |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Ann Hartman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Mary Ellen Caruso |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Mary Dow |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | John Kettler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Caroline Barrett |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Robert LePage |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Mary Sissen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Christine Dowhan-Bailey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Lisa Cook |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Karen Toffoli |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 105179 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 70149 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary/Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Vice Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | President/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Vice President/CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1957 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 1827 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 50364 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 1885 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 3543381 |
| IRS990/GrossReceiptsAmt | 0 | 6567693 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 190359 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 104235 |
| IRS990/InterestGrp/TotalAmt | 0 | 216843 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1281786 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1281786 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 58190775 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 60991107 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 7673494 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 3188869 |
| IRS990/IRPDocumentCnt | 0 | 2227 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1858798 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2413808 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2362562 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 4221360 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 58 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 3493017 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | To meet the financial goals of our members with progressive products and services. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 8996847 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 7435058 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 52191 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 52191 |
| IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -1774994 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 212387 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 420069 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1143848 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1195521 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 123671 |
| IRS990/OtherExpensesGrp/Desc | 0 | Other Operating Expenses |
| IRS990/OtherExpensesGrp/Desc | 1 | Examination Fee |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 3 | OREO Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 31343 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 23043 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 11465 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 7059 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 83075618 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 84301854 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 988794 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 21098551 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 22239933 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 95881 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 35116 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 130492 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 117189 |
| IRS990/PrincipalOfficerNm | 0 | Lisa M Cook |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Loan Interest |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees & Miscellaneous Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1085422 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 621792 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1085422 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 655219 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 33427 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Provide 1,889 loans including Real Estate, New and Used Vehicles, Recreational Vehicles and Signature. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Offer ATM services, Money Orders, Check Cashing, Travelers Checks, Safety Deposit Boxes and Various insurance programs. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1682774 |
| IRS990/PYOtherExpensesAmt | 0 | 1840803 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1899897 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 216950 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1524918 |
| IRS990/PYTotalExpensesAmt | 0 | 3365721 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 3582671 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 213205 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 8996847 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 7435058 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 30 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1545899 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1230004 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2775903 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 128363 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 628794 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 757157 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 58 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2861413 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 688300 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 688300 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 58 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 84301854 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares |
| IRS990ScheduleD/OtherRevenueAmt | 0 | -1 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | -58 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 42117485 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 18873622 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Government Investments |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Certificates of Deposit |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
| IRS990ScheduleD/RecoveriesPriorYearGrantsAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | -1 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | -58 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 3074676 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | Rounding: $-1. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | Loss on Sale of Fixed Assets included in Revenue on 990, Expense on Financial Statements: $-58. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | Loss on Sale of Fixed Assets included in Revenue on 990, Expenses on Financial Statements: $58. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule D, Part XI, Line 2d |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Schedule D, Part XI, Line 4b |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Schedule D, Part XII, Line 2d |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2362562 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 60991107 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2861413 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 84301854 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 3074618 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 3074675 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2861471 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union's Field of Membership was expanded to include Wayne and Monroe counties. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The Credit Union has a single class of members with equal rights of ownership, governance and voting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The Board of Directors is elected by the membership at the annual meeting. Each Board Member is elected for a three year term. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Changes to the Credit Union by-laws must be approved by the members after they have been approved by the Board of Directors and the regulatory agency. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | A review is conducted by the President/CEO for complete accuracy prior to submission to the IRS. The Board Chairman reviews prior to E Filing and then the returns are made available to the Board of Directors for review. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Disclosure is required when any conflict of interest occur and there is continuous review. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The Compensation Committee uses the Michigan Credit Union League Salary Survey (Compease) to help determine salary for the President/CEO and the Vice President/CFO and makes recommendations to the Board of Directors. All compensation and bonuses are approved by the Board of Directors. This process of determining compensation was last completed in 2013. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Financial Statements are posted in the Credit Union lobby. Other documents and policies are available for review upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 92249006 |
| IRS990/TotalAssetsEOYAmt | 0 | 91891722 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 92249006 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 91891722 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 42 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2861413 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
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