Civic Intelligence

Unknown Organization

990 • Fiscal year 2014 • EIN 38-1603784

Jan 01, 2014 to Jun 30, 2014 • Filed on Apr 28, 2015

Organization ProfileN/A

View Organization Page

24333 Lahser RoadSouthfield, MI 48033

(248) 263-4100

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

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

Source year 2014

Liabilities / Revenue

4th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

12th percentile

-18%

Higher net margin than 12% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

3rd percentile

-100%

Faster asset growth than 3% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

1st percentile

-53%

Faster revenue growth than 1% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $58,242,735 (-100%) from 2013

Net Assets

Down

$0

Down $8,247,464 (-100%) from 2013

Liabilities

Down

$0

Down $49,995,271 (-100%) from 2013

Revenue And Expenses
Liabilities / Revenue4th percentileNet Margin12th percentile

Revenue

Down

$1,397,926

Down $1,571,480 (-53%) from 2013

Expenses

Down

$1,654,028

Down $981,689 (-37%) from 2013

Net Income

Down

-$256,102

Down $589,791 (-177%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$60M$40M$20M$0Assets 2010: $54,220,799Liabilities 2010: $46,675,463Net Assets 2010: $7,545,3362010Assets 2011: $57,766,686Liabilities 2011: $50,038,861Net Assets 2011: $7,727,8252011Assets 2012: $57,863,188Liabilities 2012: $49,944,302Net Assets 2012: $7,918,8862012Assets 2013: $58,242,735Liabilities 2013: $49,995,271Net Assets 2013: $8,247,4642013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue Growth1st percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,470,5342010Expenses 2011: $3,052,8042011Expenses 2012: $2,978,5292012Revenue 2013: $2,969,406Expenses 2013: $2,635,717Net Income 2013: $333,6892013Revenue 2014: $1,397,926Expenses 2014: $1,654,028Net Income 2014: -$256,1022014

Highlighted filing

2014

Revenue$1,397,926
Expenses$1,654,028
Net Income-$256,102
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Jun 30, 2014
Signed
Apr 28, 2015
Return Version
2014v5.0
Gross Receipts
$1,410,384
Mission and Program Overview

Mission

The Credit Union is a member owned, full service financial organization committed to providing financial services and cost savings by helping our members achieve their vision of financial success.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$25,410,970$0▼ $25,410,970
Investments Other Securities$23,731,996$0▼ $23,731,996
Rtn Earn Endowment Incm Other Fnds$8,247,464$0▼ $8,247,464
Investments Program Related$5,180,768$0▼ $5,180,768
Cash and Non-Interest-Bearing Accounts$953,159$0▼ $953,159
Land, Buildings, and Equipment, Net$948,686$0▼ $948,686
Prepaid Expenses and Deferred Charges$90,096$0▼ $90,096
Accounts Receivable$14,894$0▼ $14,894
Savings and Temporary Cash Investments$5$0▼ $5
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$58,242,735$0▼ $58,242,735
Other Assets Total$1,912,161$0▼ $1,912,161
Liabilities
Other Liabilities$49,596,227$0▼ $49,596,227
Accounts Payable and Accrued Expenses$399,044--
Total Liabilities$49,995,271$0▼ $49,995,271
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,247,464$0▼ $8,247,464
Total Liabilities and Net Assets / Fund Balance$58,242,735$0▼ $58,242,735
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Renee DemarcoPresident/CEOFT$49,125$5,395$54,520
Alan EngleAccounting ManagerFT$30,776$10,556$41,332

Board Members and Trustees

NameTitle
Claudia YoungChairperson
Donald FairVice Chairperson
Lyle TindallDirector
Ronnie WilliamsDirector
Susan WilsonDirector
Xiang WuDirector
Mark UrbaniakSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersOperating Systems6000 28TH ST SE, Grand Rapids, MI 49546$304,895
Harmon Management LLCBuilding Co.417 COPPERSMITH, Mason, MI 48854$149,656
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,243,026
Investment Income
$134,092
Other Revenue
$20,808
Change in Net Assets
$-256,102
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$992,567
Salaries, Compensation, and Employee Benefits$661,461
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$374,017
Information Technology---$305,574
Other Employee Benefits---$104,001
Office Expenses---$101,919
Current Officers, Directors, Trustees, and Key Employees---$95,852
Occupancy---$82,510
Fees for Services Other---$64,717
Payroll Taxes---$54,782
All Other Expenses---$45,232
Depreciation Depletion---$41,058
Pension Plan Contributions---$32,809
Fees for Services Legal---$31,527
Other Expenses---$26,929
Advertising---$16,807
Insurance---$13,473
Fees for Services Accounting---$7,701
Total Functional Expenses$0$0$0$1,654,028
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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 4

“Community driven credit union merged with people driven credit union (f/k/a people's trust credit union) effective 6/30/14.”

Form 990, Part VI, Section A, Line 6

“The credit union has a single class of members with equal rights of ownership, governance and voting.”

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

“The board of directors are elected by the membership at the annual meeting. Each board member is elected for one to three year terms.”

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

“Credit union decisions that are subject to membership approval are mergers, field of membership changes, by-law changes, and charter changes.”

Form 990, Part VI, Section B, Line 11

“A review is conducted by the president/ceo prior to submission to the irs.”

Form 990, Part VI, Section B, Line 15

“The compease salary survey, cuna staff and salary report and job performance review is completed by the management salary and policy review committee (members of the board of directors). The president/ceo and the management salary and policy review committee uses compease salary report, cuna staff and salary report, performance and union contract to determine wage increases for key employees. The last performance review for both the president/ceo and key employees were completed in 2014.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Community Driven Credit Union
EIN
38-1603784
Phone
2482634100
Address
24333 LAHSER ROAD, SOUTHFIELD, MI 48033

Signing Officer

Name
Alan Engle
Title
Accounting Manager
Phone
2482634100
Signed
2015-04-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Renee Demarco
Formed
1958
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
25
Volunteers
7

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Catherine Bruder CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net assets transferred in merger -8,001,828.”

Raw XML AppendixShowing 400 of 403 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/AccountsPayableAccrExpnssGrp/BOYAmt0399044
IRS990/AccountsReceivableGrp/BOYAmt014894
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.
IRS990/AddressChangeInd0X
IRS990/AdvertisingGrp/TotalAmt016807
IRS990/AllOtherExpensesGrp/TotalAmt045232
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0ALAN ENGLE
IRS990/BooksInCareOfDetail/PhoneNum02482634100
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt024333 LAHSER ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0SOUTHFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
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IRS990/ChangeToOrgDocumentsInd01
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IRS990/ContractorCompensationGrp/CompensationAmt1149656
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1HARMON MANAGEMENT LLC
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IRS990/CreditCounselingInd00
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IRS990/CYSalariesCompEmpBnftPaidAmt0661461
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IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt041058
IRS990/Desc0PROVIDE 8,555 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATES OF DEPOSIT AND IRA ACCOUNTS TOTALING 17,431.
IRS990/DescribedInSection501c3Ind00
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IRS990/DonorAdvisedFundInd00
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IRS990/EmployeeCnt025
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IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt07701
IRS990/FeesForServicesLegalGrp/TotalAmt031527
IRS990/FeesForServicesOtherGrp/TotalAmt064717
IRS990/FinalReturnInd0X
IRS990/ForeignActivitiesInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt75395
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt810556
IRS990/Form990PartVIISectionAGrp/PersonNm0CLAUDIA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm1RONNIE WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm2DONALD FAIR
IRS990/Form990PartVIISectionAGrp/PersonNm3LYLE TINDALL
IRS990/Form990PartVIISectionAGrp/PersonNm4MARK URBANIAK
IRS990/Form990PartVIISectionAGrp/PersonNm5XIANG WU
IRS990/Form990PartVIISectionAGrp/PersonNm6SUSAN WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm7RENEE DEMARCO
IRS990/Form990PartVIISectionAGrp/PersonNm8ALAN ENGLE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8ACCOUNTING MANAGER
IRS990/Form990ProvidedToGvrnBodyInd00
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IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt013847
IRS990/GrossReceiptsAmt01410384
IRS990/GroupExemptionNum01359
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IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/LandBldgEquipCostOrOtherBssAmt00
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IRS990/MethodOfAccountingAccrualInd0X
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IRS990/MissionDesc0THE CREDIT UNION IS A MEMBER OWNED, FULL SERVICE FINANCIAL ORGANIZATION COMMITTED TO PROVIDING FINANCIAL SERVICES AND COST SAVINGS BY HELPING OUR MEMBERS ACHIEVE THEIR VISION OF FINANCIAL SUCCESS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt00
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IRS990/NetUnrelatedBusTxblIncmAmt0-1695
IRS990/NetUnrlzdGainsLossesInvstAmt010466
IRS990/NondeductibleContributionsInd00
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IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc0MEMBER SERVICES
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt110038
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt054782
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0RENEE DEMARCO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0691137
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1551889
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0691137
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1551889
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 3,211 LOANS INCLUDING VEHICLE, OVERDRAFT PROTECTION, MORTGAGE, HOME EQUITY, SIGNATURE, CREDIT CARD, INDIRECT, PARTICIPATION, BUSINESS AND RECREATIONAL VEHICLE LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDE AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, BILL PAYMENT, TRAVELERS CHECKS, FINANCIAL COUNSELING & EDUCATION, OVERDRAFT/COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0238885
IRS990/PYOtherExpensesAmt01366912
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02730521
IRS990/PYRevenuesLessExpensesAmt0333689
IRS990/PYSalariesCompEmpBnftPaidAmt01268805
IRS990/PYTotalExpensesAmt02635717
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02969406
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-256102
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08247464
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd00
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0ALL ASSETS DISTRIBUTED IN A MERGER.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0PEOPLE DRIVEN CREDIT UNION (FKA PEOPLE'S TRUST CREDIT UNION)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02014-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0380478780
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt08001828
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0THE ASSETS ARE VALUED AT FAIR VALUE.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt024333 LAHSER ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0SOUTHFIELD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd048033
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: RENEE DEMARCO BECAME PRESIDENT OF THE SUCCESSOR ORGANIZATION.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COMMUNITY DRIVEN CREDIT UNION MERGED WITH PEOPLE DRIVEN CREDIT UNION (F/K/A PEOPLE'S TRUST CREDIT UNION) EFFECTIVE 6/30/14.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR ONE TO THREE YEAR TERMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS, FIELD OF MEMBERSHIP CHANGES, BY-LAW CHANGES, AND CHARTER CHANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A REVIEW IS CONDUCTED BY THE PRESIDENT/CEO PRIOR TO SUBMISSION TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPEASE SALARY SURVEY, CUNA STAFF AND SALARY REPORT AND JOB PERFORMANCE REVIEW IS COMPLETED BY THE MANAGEMENT SALARY AND POLICY REVIEW COMMITTEE (MEMBERS OF THE BOARD OF DIRECTORS). THE PRESIDENT/CEO AND THE MANAGEMENT SALARY AND POLICY REVIEW COMMITTEE USES COMPEASE SALARY REPORT, CUNA STAFF AND SALARY REPORT, PERFORMANCE AND UNION CONTRACT TO DETERMINE WAGE INCREASES FOR KEY EMPLOYEES. THE LAST PERFORMANCE REVIEW FOR BOTH THE PRESIDENT/CEO AND KEY EMPLOYEES WERE COMPLETED IN 2014.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NET ASSETS TRANSFERRED IN MERGER -8,001,828.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt058242735
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt058242735
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt025
IRS990/TotalFunctionalExpensesGrp/TotalAmt01654028
IRS990/TotalGrossUBIAmt020808
IRS990/TotalLiabilitiesBOYAmt049995271
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt049995271
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08247464
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt015951
IRS990/TotalProgramServiceRevenueAmt01243026
IRS990/TotalReportableCompFromOrgAmt079901
IRS990/TotalRevenueGrp/ExclusionAmt0134092
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01243026
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01397926
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt020808
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt058242735
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt024333 LAHSER ROAD
IRS990/USAddress/CityNm0SOUTHFIELD
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048033
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ALAN ENGLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ACCOUNTING MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum02482634100
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY DRIVEN CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0381603784
ReturnHeader/Filer/PhoneNum02482634100
ReturnHeader/Filer/USAddress/AddressLine1Txt024333 LAHSER ROAD
ReturnHeader/Filer/USAddress/CityNm0SOUTHFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048033
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382492570
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DOEREN MAYHEW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0305 WEST BIG BEAVER ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TROY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048084
ReturnHeader/PreparerPersonGrp/PhoneNum02482443000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CATHERINE BRUDER CPA
ReturnHeader/ReturnTs02015-05-12T10:33:18-05:00
ReturnHeader/ReturnTypeCd0990

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,397,926
Expenses
$1,654,028
Net income
-$256,102
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.40$1.65$0.26
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$58.2$50.0$8.25$2.97$2.64$0.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.9$49.9$7.92$2.98
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.8$50.0$7.73$3.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.2$46.7$7.55$3.47