Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1608518 • 501(c)14 • Muskegon, MI

Profile

Provide co-op financial services and products to members.

1086 Creston StreetMuskegon, MI 49442

www.michigancoastal.com

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

18th percentile

11.21x

Higher debt load relative to revenue than 18% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

17th percentile

-3.7%

Higher net margin than 17% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

31st percentile

$98,000

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

16th percentile

-4.5%

Faster asset growth than 16% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

38th percentile

5.6%

Faster revenue growth than 38% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$27,596,764

Down $1,299,516 (-4.5%) from 2023

Liabilities

Down

$25,434,148

Down $1,214,488 (-4.6%) from 2023

Net Assets

Down

$2,162,616

Down $85,028 (-3.8%) from 2023

Operations
Liabilities / Revenue18th percentileNet Margin17th percentile

Revenue

Up

$2,268,883

Up $120,543 (+5.6%) from 2023

Expenses

Up

$2,353,911

Up $256,244 (+12%) from 2023

Net Income

Down

-$85,028

Down $135,701 (-268%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$30M$20M$10M$0Assets 2011: $12,671,516Liabilities 2011: $11,693,537Net Assets 2011: $977,9792011Assets 2012: $12,449,288Liabilities 2012: $11,309,634Net Assets 2012: $1,139,6542012Assets 2013: $12,271,423Liabilities 2013: $10,961,075Net Assets 2013: $1,310,3482013Assets 2014: $12,949,474Liabilities 2014: $11,570,880Net Assets 2014: $1,378,5942014Assets 2015: $17,447,006Liabilities 2015: $15,848,114Net Assets 2015: $1,598,8922015Assets 2016: $17,350,975Liabilities 2016: $15,814,786Net Assets 2016: $1,536,1892016Assets 2017: $15,375,638Liabilities 2017: $13,746,154Net Assets 2017: $1,629,4842017Assets 2018: $15,417,022Liabilities 2018: $13,659,371Net Assets 2018: $1,757,6512018Assets 2019: $18,290,417Liabilities 2019: $16,405,446Net Assets 2019: $1,884,9712019Assets 2020: $21,116,946Liabilities 2020: $19,112,082Net Assets 2020: $2,004,8642020Assets 2021: $23,976,419Liabilities 2021: $21,805,090Net Assets 2021: $2,171,3292021Assets 2022: $26,406,478Liabilities 2022: $24,160,162Net Assets 2022: $2,246,3162022Assets 2023: $28,896,280Liabilities 2023: $26,648,636Net Assets 2023: $2,247,6442023Assets 2024: $27,596,764Liabilities 2024: $25,434,148Net Assets 2024: $2,162,6162024

Highlighted filing

2024

Assets$27,596,764
Liabilities$25,434,148
Net Assets$2,162,616
Open 2024 Filing

Operations Trend

Revenue Growth38th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $1,005,4492011Expenses 2012: $859,4452012Revenue 2013: $972,521Expenses 2013: $801,827Net Income 2013: $170,6942013Revenue 2014: $930,921Expenses 2014: $862,675Net Income 2014: $68,2462014Revenue 2015: $1,093,853Expenses 2015: $873,555Net Income 2015: $220,2982015Revenue 2016: $1,219,764Expenses 2016: $1,282,467Net Income 2016: -$62,7032016Revenue 2017: $1,160,316Expenses 2017: $1,056,841Net Income 2017: $103,4752017Revenue 2018: $1,229,491Expenses 2018: $1,084,600Net Income 2018: $144,8912018Revenue 2019: $1,461,371Expenses 2019: $1,401,364Net Income 2019: $60,0072019Revenue 2020: $1,438,398Expenses 2020: $1,322,579Net Income 2020: $115,8192020Revenue 2021: $1,485,765Expenses 2021: $1,315,822Net Income 2021: $169,9432021Revenue 2022: $1,722,570Expenses 2022: $1,647,583Net Income 2022: $74,9872022Revenue 2023: $2,148,340Expenses 2023: $2,097,667Net Income 2023: $50,6732023Revenue 2024: $2,268,883Expenses 2024: $2,353,911Net Income 2024: -$85,0282024

Highlighted filing

2024

Revenue$2,268,883
Expenses$2,353,911
Net Income-$85,028
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$27,596,764
Liabilities
$25,434,148
Net assets
$2,162,616
Revenue
$2,268,883
Expenses
$2,353,911
Net income
-$85,028
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$27.6$25.4$2.16$2.27$2.35$0.09
2023Detailed filing. Detailed filing data is available for this year.$28.9$26.6$2.25$2.15$2.10$0.05
2022Detailed filing. Detailed filing data is available for this year.$26.4$24.2$2.25$1.72$1.65$0.07
2021Detailed filing. Detailed filing data is available for this year.$24.0$21.8$2.17$1.49$1.32$0.17
2020Detailed filing. Detailed filing data is available for this year.$21.1$19.1$2.00$1.44$1.32$0.12
2019Detailed filing. Detailed filing data is available for this year.$18.3$16.4$1.88$1.46$1.40$0.06
2018Detailed filing. Detailed filing data is available for this year.$15.4$13.7$1.76$1.23$1.08$0.14
2017Detailed filing. Detailed filing data is available for this year.$15.4$13.7$1.63$1.16$1.06$0.10
2016Detailed filing. Detailed filing data is available for this year.$17.4$15.8$1.54$1.22$1.28$0.06
2015Detailed filing. Detailed filing data is available for this year.$17.4$15.8$1.60$1.09$0.87$0.22
2014Detailed filing. Detailed filing data is available for this year.$12.9$11.6$1.38$0.93$0.86$0.07
2013Detailed filing. Detailed filing data is available for this year.$12.3$11.0$1.31$0.97$0.80$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$11.3$1.14$0.86
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$11.7$0.98$1.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 15, 2025
Return Version
2024v5.2
Gross Receipts
$2,268,883
Mission and Program Overview

Mission

Provide co-op financial services and products to members.

Provide cooperative financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$26,430,024$23,873,783▼ $2,556,241
Rtn Earn Endowment Incm Other Fnds$2,247,644$2,162,616▼ $85,028
Savings and Temporary Cash Investments$847,099$1,839,498▲ $992,399
Land, Buildings, and Equipment, Net$497,972$441,433▼ $56,539
Cash and Non-Interest-Bearing Accounts$336,499$427,416▲ $90,917
Investments Other Securities$143,240$242,991▲ $99,751
Prepaid Expenses and Deferred Charges$42,571$41,875▼ $696
Accounts Receivable$70,629$11,971▼ $58,658
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$28,896,280$27,596,764▼ $1,299,516
Other Assets Total$528,246$717,797▲ $189,551
Liabilities
Other Liabilities$24,890,237$25,409,337▲ $519,100
Mortgage Notes Payable Secured by Investment Property$1,196,641--
Accounts Payable and Accrued Expenses$561,758$24,811▼ $536,947
Total Liabilities$26,648,636$25,434,148▼ $1,214,488
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,247,644$2,162,616▼ $85,028
Total Liabilities and Net Assets / Fund Balance$28,896,280$27,596,764▼ $1,299,516

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$132,528$271,596$404,124
Buildings$174,988$100,782$275,770
Land$133,917-$133,917
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Rob VilandCEOFT$98,000$98,000

Board Members and Trustees

NameTitle
Wayne T FerrierChairman
Mario FloresDirector
Tony JohnsonDirector
Diana ColemanSecretary
Antonios MuolatsiotisTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersData Processor6000 28TH STREET SE, Grand Rapids, MI 49546$149,692
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,211,304
Investment Income
$71,574
Other Revenue
$-13,995
Change in Net Assets
$-85,028
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,789,500
Salaries, Compensation, and Employee Benefits$564,411
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$698,750
Other Salaries and Wages---$389,004
Office Expenses---$111,464
Current Officers, Directors, Trustees, and Key Employees---$98,000
Depreciation Depletion---$78,268
Occupancy---$67,347
Advertising---$61,406
Information Technology---$48,303
Other Employee Benefits---$45,439
Payroll Taxes---$31,335
Insurance---$29,382
Fees for Services Accounting---$16,997
Travel---$15,695
Other Expenses---$6,467
Payments to Affiliates---$4,387
All Other Expenses---$2,968
Pension Plan Contributions---$633
Total Functional Expenses$0$0$0$2,353,911
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liability$25,330,558
Shares and Deposits$78,779
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 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
No
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 501c14 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

“Anagement 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 governed by ncua guidelines. Board members do not vote on related issues.”

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 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
Michigan Coastal Credit Union
EIN
38-1608518
Phone
2317773620
Address
1086 CRESTON STREET, MUSKEGON, MI 49442

Signing Officer

Name
Rob Viland
Title
CEO
Signed
2025-08-15
Discuss with paid preparer
Yes

Organization Details

Formed
1958
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
9
Volunteers
5

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Raw XML Appendix375 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/OtherAssetsTotalGrp/BOYAmt0528246
IRS990/OtherAssetsTotalGrp/EOYAmt0717797
IRS990/OtherEmployeeBenefitsGrp/TotalAmt045439
IRS990/OtherExpensesGrp/Desc0CREDIT LOSS EXPENSE
IRS990/OtherExpensesGrp/Desc1PRO SERVICES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0308481
IRS990/OtherExpensesGrp/TotalAmt1210521
IRS990/OtherExpensesGrp/TotalAmt2129064
IRS990/OtherExpensesGrp/TotalAmt36467
IRS990/OtherLiabilitiesGrp/BOYAmt024890237
IRS990/OtherLiabilitiesGrp/EOYAmt025409337
IRS990/OtherRevenueMiscGrp/Desc0SALE OF REPO ITEMS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0-13995
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-13995
IRS990/OtherRevenueTotalAmt0-13995
IRS990/OtherSalariesAndWagesGrp/TotalAmt0389004
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt026430024
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023873783
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt04387
IRS990/PayrollTaxesGrp/TotalAmt031335
IRS990/PensionPlanContributionsGrp/TotalAmt0633
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt042571
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt041875
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0ROB VILAND
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc3SHARED BRANCHING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0504550
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11673666
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0528866
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14143
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21673666
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34629
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt024316
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt14143
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt24629
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 1,561.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt034141
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01691519
IRS990/PYProgramServiceRevenueAmt02114199
IRS990/PYRevenuesLessExpensesAmt050673
IRS990/PYSalariesCompEmpBnftPaidAmt0406148
IRS990/PYTotalExpensesAmt02097667
IRS990/PYTotalRevenueAmt02148340
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-85028
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02247644
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02162616
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0847099
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01839498
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0174988
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0100782
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0275770
IRS990ScheduleD/LandGrp/BookValueAmt0133917
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0133917
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0132528
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0271596
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0404124
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt078779
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt125330558
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0441433
IRS990ScheduleD/TotalLiabilityAmt025409337
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE GOVERNED BY NCUA GUIDELINES. BOARD MEMBERS DO NOT VOTE ON RELATED ISSUES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt028896280
IRS990/TotalAssetsEOYAmt027596764
IRS990/TotalAssetsGrp/BOYAmt028896280
IRS990/TotalAssetsGrp/EOYAmt027596764
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02353911
IRS990/TotalGrossUBIAmt033088
IRS990/TotalLiabilitiesBOYAmt026648636
IRS990/TotalLiabilitiesEOYAmt025434148
IRS990/TotalLiabilitiesGrp/BOYAmt026648636
IRS990/TotalLiabilitiesGrp/EOYAmt025434148
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02247644
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02162616
IRS990/TotalProgramServiceRevenueAmt02211304
IRS990/TotalReportableCompFromOrgAmt098000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02235795
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02268883
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt033088
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028896280
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027596764
IRS990/TravelGrp/TotalAmt015695
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01086 CRESTON STREET
IRS990/USAddress/CityNm0MUSKEGON
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049442
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0https://www.michigancoastal.com/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROB VILAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Michigan Coastal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MICH
ReturnHeader/Filer/EIN0381608518
ReturnHeader/Filer/PhoneNum02317773620
ReturnHeader/Filer/USAddress/AddressLine1Txt01086 CRESTON STREET
ReturnHeader/Filer/USAddress/CityNm0MUSKEGON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049442
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Donald E Lingerfelt
ReturnHeader/ReturnTs02025-08-15T19:12:47-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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