Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
990 • Fiscal year 2016 • EIN 38-1614337
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Liabilities / Revenue
47th percentile
Higher debt load relative to revenue than 47% of similar nonprofits.
Net Margin
46th percentile
Higher net margin than 46% of similar nonprofits.
Top Officer Pay
76th percentile
Higher top officer pay than 76% of similar nonprofits.
Top officer pay equals 7.3% of source-year revenue.
Asset Growth
37th percentile
Faster asset growth than 37% of similar nonprofits.
Revenue Growth
23rd percentile
Faster revenue growth than 23% of similar nonprofits.
Assets
Up$39,088,682
Up $648,301 (+1.7%) from 2015
Net Assets
Up$6,777,466
Up $127,259 (+1.9%) from 2015
Liabilities
Up$32,311,216
Up $521,042 (+1.6%) from 2015
Revenue
Down$1,618,059
Down $10,174 (-0.6%) from 2015
Expenses
Down$1,499,328
Down $466 (-0.0%) from 2015
Net Income
Down$118,731
Down $9,708 (-7.6%) from 2015
Organized and operated without profit for the purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $18,311,317 | $18,392,619 | ▲ $81,302 |
| Other Notes and Loans Receivable, Net | $13,209,652 | $14,966,789 | ▲ $1,757,137 |
| Rtn Earn Endowment Incm Other Fnds | $6,650,207 | $6,777,466 | ▲ $127,259 |
| Cash and Non-Interest-Bearing Accounts | $5,490,183 | $4,227,496 | ▼ $1,262,687 |
| Investments Other Securities | $733,288 | $761,564 | ▲ $28,276 |
| Land, Buildings, and Equipment, Net | $197,595 | $178,662 | ▼ $18,933 |
| Total Assets | $38,440,381 | $39,088,682 | ▲ $648,301 |
| Other Assets Total | $498,346 | $561,552 | ▲ $63,206 |
| Liabilities | |||
| Other Liabilities | $31,741,822 | $32,094,678 | ▲ $352,856 |
| Accounts Payable and Accrued Expenses | $48,352 | $216,538 | ▲ $168,186 |
| Total Liabilities | $31,790,174 | $32,311,216 | ▲ $521,042 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $6,650,207 | $6,777,466 | ▲ $127,259 |
| Total Liabilities and Net Assets / Fund Balance | $38,440,381 | $39,088,682 | ▲ $648,301 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $160,532 | - | $160,532 |
| Equipment | $18,130 | - | $18,130 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| David T Keim | CEO | FT | $118,500 | $118,500 |
| Terri Nieuwkoop | COO | FT | $92,521 | $92,521 |
| Name | Title |
|---|---|
| David Zawacki | Chairman |
| Steve Kenyon | Vice Chairma |
| Gail Anderson | Director |
| Joseph Couture | Director |
| Laura Brown | Director |
| Michael Hardiman | Director |
| Scott Collins | Director |
| TIMOTHY O'DONNELL | Director |
| Edward Besemer | Secretary |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $765,487 |
| Other Expenses | $733,841 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $765,487 |
| Office Expenses | - | - | - | $218,876 |
| Fees for Services Other | - | - | - | $187,436 |
| Occupancy | - | - | - | $115,890 |
| Interest | - | - | - | $88,474 |
| Other Expenses | - | - | - | $11,470 |
| All Other Expenses | - | - | - | $4,067 |
| Total Functional Expenses | $0 | $0 | $0 | $1,499,328 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Total Shares & Deposits | $32,094,678 |
“Members are the owners of the credit union and they elect their board of directors in a democratic one-person-one-vote system regardless of the amount of money invested in the credit union.”
“Day-to-day operations is managed by the ceo. The monitoring and oversight of the officers and approval of key policies, such as interest rates, services, etc. Are established by the board. The members vote in the board and only vote on major issues, such as changes in the charter or structure of the credit union.”
“No review was or will be conducted.”
“The board of directors is responsible for reviewing job performance and establishing compensation levels for the ceo.”
“The board of directors with assistance from the ceo is responsible for reviewing job performance and establishing compensation levels for the other key officer(s).”
“No documents available to the public”
“Please review website at www.wdmcu.org”
“Professional, outside service 187,436 0 0”
“Net change in accumulated unrealized g/l 8,528”
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 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 48352 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 216538 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | ORGANIZED AND OPERATED WITHOUT PROFIT FOR THE PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS. |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 4067 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | false |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | DAVID T KEIM |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6162412516 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 201 36TH ST SE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | GRAND RAPIDS |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 495466450 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 5490183 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 4227496 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1192922 |
| IRS990/CYOtherExpensesAmt | 0 | 733841 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 425137 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 118731 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 765487 |
| IRS990/CYTotalExpensesAmt | 0 | 1499328 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1618059 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | PLEASE REVIEW WEBSITE AT WWW.WDMCU.ORG |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | false |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 12 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 187436 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DAVID ZAWACKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JOSEPH COUTURE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | MICHAEL HARDIMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | STEVE KENYON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LAURA BROWN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | SCOTT COLLINS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | EDWARD BESEMER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | GAIL ANDERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | TIMOTHY O'DONNELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | DAVID T KEIM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | TERRI NIEUWKOOP |
| 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 | 118500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 92521 |
| 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 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | VICE CHAIRMA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | COO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 1618059 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 88474 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1192922 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1192922 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 733288 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 761564 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 18311317 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 18392619 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 197595 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 178662 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 178662 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | ORGANIZED AND OPERATED WITHOUT PROFIT FOR THE PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 6650207 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 6777466 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 115890 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 218876 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 498346 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 561552 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 8528 |
| IRS990/OtherExpensesGrp/Desc | 0 | EDUCATIONAL & PROMOTIONAL |
| IRS990/OtherExpensesGrp/Desc | 1 | OPERATING FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | TRAVEL |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 49630 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 34564 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 23434 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 11470 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 31741822 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 32094678 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 765487 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 13209652 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 14966789 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | DAVID T KEIM |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 222456 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 202681 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 222456 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 202681 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | PLEASE REVIEW WEBSITE AT WWW.WDMCU.ORG |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1182823 |
| IRS990/PYOtherExpensesAmt | 0 | 740729 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 445410 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 128439 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 759065 |
| IRS990/PYTotalExpensesAmt | 0 | 1499794 |
| IRS990/PYTotalRevenueAmt | 0 | 1628233 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 118731 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 6650207 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 6777466 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 18130 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 18130 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 160532 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 160532 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 32094678 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | TOTAL SHARES & DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 178662 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 32094678 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | false |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | PLEASE REVIEW WEBSITE AT WWW.WDMCU.ORG |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | MEMBERS ARE THE OWNERS OF THE CREDIT UNION AND THEY ELECT THEIR BOARD OF DIRECTORS IN A DEMOCRATIC ONE-PERSON-ONE-VOTE SYSTEM REGARDLESS OF THE AMOUNT OF MONEY INVESTED IN THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DAY-TO-DAY OPERATIONS IS MANAGED BY THE CEO. THE MONITORING AND OVERSIGHT OF THE OFFICERS AND APPROVAL OF KEY POLICIES, SUCH AS INTEREST RATES, SERVICES, ETC. ARE ESTABLISHED BY THE BOARD. THE MEMBERS VOTE IN THE BOARD AND ONLY VOTE ON MAJOR ISSUES, SUCH AS CHANGES IN THE CHARTER OR STRUCTURE OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | NO REVIEW WAS OR WILL BE CONDUCTED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD OF DIRECTORS IS RESPONSIBLE FOR REVIEWING JOB PERFORMANCE AND ESTABLISHING COMPENSATION LEVELS FOR THE CEO. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE BOARD OF DIRECTORS WITH ASSISTANCE FROM THE CEO IS RESPONSIBLE FOR REVIEWING JOB PERFORMANCE AND ESTABLISHING COMPENSATION LEVELS FOR THE OTHER KEY OFFICER(S). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | NO DOCUMENTS AVAILABLE TO THE PUBLIC |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | PROFESSIONAL, OUTSIDE SERVICE 187,436 0 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | NET CHANGE IN ACCUMULATED UNREALIZED G/L 8,528 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 2, PART III, LINE 4D |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
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| IRS990/TaxablePartyNotificationInd | 0 | false |
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| IRS990/TerminateOperationsInd | 0 | false |
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| IRS990/TotalAssetsEOYAmt | 0 | 39088682 |
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| IRS990/TotalAssetsGrp/EOYAmt | 0 | 39088682 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 12 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1499328 |
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| IRS990/TotalLiabilitiesEOYAmt | 0 | 32311216 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 31790174 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 32311216 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 6650207 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 6777466 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 425137 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 211021 |
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| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 39088682 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 7636 APPLE HILL CT SE |
| IRS990/USAddress/CityNm | 0 | ADA |
| IRS990/USAddress/StateAbbreviationCd | 0 | MI |
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| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.WDMCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DAVID T KEIM |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6162412516 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-05-09 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | WESTERN DISTRICTS MEMBERS |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | WEST |
| ReturnHeader/Filer/EIN | 0 | 381614337 |
| ReturnHeader/Filer/PhoneNum | 0 | 6162412516 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 201 36TH STREET SE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | GRAND RAPIDS |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 495482213 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 064597E6E2365A06FA0547C4068059A01267D943 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 84A6DA3E3CFFBDFC4FAEF4EA61613A59FEE9E64F |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 383581667 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | MILES V SCHMIDT CPA PLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 750 FRONT AVE NW SUITE 315 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | GRAND RAPIDS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 495044400 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6167420400 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2017-05-09 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | MILES V SCHMIDT CPA |
| ReturnHeader/ReturnTs | 0 | 2017-05-15T14:47:29-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2016-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2016-12-31 |
| ReturnHeader/TaxYr | 0 | 2016 |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.