Civic Intelligence

Eastpointe Community Credit Union

EIN 38-1620440 • 501(c)14 • Eastpointe, MI

Profile

Our goal is to provide the best possible financial service to all members at competitive rates and to maintain the CU's long-term financial stability. Big enough to get the job doneSmall enough to care.

22544 Gratiot AveEastpointe, MI 48021

www.eastpointeccu.com

Siviq Scores

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

Liabilities / Assets

98th percentile

0.96x

Higher debt load relative to assets than 98% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

72nd percentile

19.31x

Higher debt load relative to revenue than 72% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Net Margin

37th percentile

2.8%

Higher net margin than 37% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

63rd percentile

$93,766

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 16.9% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Asset Growth

74th percentile

3.9%

Faster asset growth than 74% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Revenue Growth

55th percentile

8.0%

Faster revenue growth than 55% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets98th percentile

Assets

Up

$11,145,091

Up $421,400 (+3.9%) from 2022

Liabilities

Up

$10,724,638

Up $337,359 (+3.2%) from 2022

Net Assets

Up

$420,453

Up $84,041 (+25%) from 2022

Operations
Liabilities / Revenue72nd percentileNet Margin37th percentile

Revenue

Up

$555,271

Up $40,991 (+8.0%) from 2022

Expenses

Up

$539,734

Up $49,260 (+10%) from 2022

Net Income

Down

$15,537

Down $8,269 (-35%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

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

$15M$10M$5.0M$0Assets 2010: $7,987,402Liabilities 2010: $7,107,477Net Assets 2010: $879,9252010Assets 2011: $8,128,090Liabilities 2011: $7,308,381Net Assets 2011: $819,7092011Assets 2012: $8,315,992Liabilities 2012: $7,481,607Net Assets 2012: $834,3852012Assets 2013: $7,929,707Liabilities 2013: $7,121,850Net Assets 2013: $807,8572013Assets 2014: $8,574,942Liabilities 2014: $7,751,261Net Assets 2014: $823,6812014Assets 2015: $9,703,105Liabilities 2015: $8,919,908Net Assets 2015: $783,1972015Assets 2016: $8,938,008Liabilities 2016: $8,102,268Net Assets 2016: $835,7402016Assets 2017: $9,259,234Liabilities 2017: $8,437,176Net Assets 2017: $822,0582017Assets 2018: $9,227,891Liabilities 2018: $8,436,763Net Assets 2018: $791,1282018Assets 2019: $9,567,496Liabilities 2019: $8,673,833Net Assets 2019: $893,6632019Assets 2020: $10,907,658Liabilities 2020: $10,122,370Net Assets 2020: $785,2882020Assets 2021: $11,648,293Liabilities 2021: $10,995,536Net Assets 2021: $652,7572021Assets 2022: $10,723,691Liabilities 2022: $10,387,279Net Assets 2022: $336,4122022Assets 2023: $11,145,091Liabilities 2023: $10,724,638Net Assets 2023: $420,4532023

Highlighted filing

2023

Assets$11,145,091
Liabilities$10,724,638
Net Assets$420,453
Open 2023 Filing

Operations Trend

Revenue Growth55th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $568,2472010Expenses 2011: $464,6502011Expenses 2012: $504,2752012Revenue 2013: $504,592Expenses 2013: $499,015Net Income 2013: $5,5772013Revenue 2014: $514,389Expenses 2014: $489,636Net Income 2014: $24,7532014Revenue 2015: $501,725Expenses 2015: $541,788Net Income 2015: -$40,0632015Revenue 2016: $551,526Expenses 2016: $504,356Net Income 2016: $47,1702016Revenue 2017: $571,272Expenses 2017: $561,475Net Income 2017: $9,7972017Revenue 2018: $582,946Expenses 2018: $581,009Net Income 2018: $1,9372018Revenue 2019: $581,570Expenses 2019: $555,651Net Income 2019: $25,9192019Revenue 2020: $518,883Expenses 2020: $655,496Net Income 2020: -$136,6132020Revenue 2021: $479,424Expenses 2021: $537,421Net Income 2021: -$57,9972021Revenue 2022: $514,280Expenses 2022: $490,474Net Income 2022: $23,8062022Revenue 2023: $555,271Expenses 2023: $539,734Net Income 2023: $15,5372023

Highlighted filing

2023

Revenue$555,271
Expenses$539,734
Net Income$15,537
Open 2023 Filing

Filings

Most recent year

2023 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$11,145,091
Liabilities
$10,724,638
Net assets
$420,453
Revenue
$555,271
Expenses
$539,734
Net income
$15,537
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.1$10.7$0.42$0.56$0.54$0.02
2022Detailed filing. Detailed filing data is available for this year.$10.7$10.4$0.34$0.51$0.49$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.6$11.0$0.65$0.48$0.54$0.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.9$10.1$0.79$0.52$0.66$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.57$8.67$0.89$0.58$0.56$0.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.23$8.44$0.79$0.58$0.58$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.26$8.44$0.82$0.57$0.56$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.94$8.10$0.84$0.55$0.50$0.05
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$9.70$8.92$0.78$0.50$0.54$0.04
2014Detailed filing. Detailed filing data is available for this year.$8.57$7.75$0.82$0.51$0.49$0.02
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$7.93$7.12$0.81$0.50$0.50$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.32$7.48$0.83$0.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.13$7.31$0.82$0.46
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.99$7.11$0.88$0.57
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 4, 2023
Return Version
2022v5.0
Gross Receipts
$514,280
Mission and Program Overview

Mission

Provide financial services and products to members.

Our goal is to provide the best possible financial service to all members at competitive rates and to maintain the CU's long-term financial stability. Big enough to get the job doneSmall enough to care.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,523,587$6,497,291▲ $973,704
Investments in Publicly Traded Securities-$3,326,278-
Savings and Temporary Cash Investments$2,164,824$514,450▼ $1,650,374
Rtn Earn Endowment Incm Other Fnds$652,757$336,412▼ $316,345
Cash and Non-Interest-Bearing Accounts$156,215$169,128▲ $12,913
Investments Other Securities$3,648,884$47,900▼ $3,600,984
Land, Buildings, and Equipment, Net$14,987$18,057▲ $3,070
Prepaid Expenses and Deferred Charges$20,313$15,776▼ $4,537
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$11,648,293$10,723,691▼ $924,602
Other Assets Total$119,483$134,811▲ $15,328
Liabilities
Other Liabilities$11,073,933$10,518,085▼ $555,848
Accounts Payable and Accrued Expenses$-78,397$-130,806▼ $52,409
Total Liabilities$10,995,536$10,387,279▼ $608,257
Net Assets / Fund Balance
Total Net Assets Fund Balance$652,757$336,412▼ $316,345
Total Liabilities and Net Assets / Fund Balance$11,648,293$10,723,691▼ $924,602

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$5,147$254,347$259,494
Buildings$4,030$70,865$74,895
Land$8,880-$8,880
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David LafayetteCOOFT$79,184$11,434$90,618
Theresa HingManagerFT$67,898$19,060$86,958

Board Members and Trustees

NameTitle
Deborah SzukalaChairperson
Mary MathisonVice Chair
Rebecca HertelSecretary
William MccabeSecretary
Ayda BerroTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$448,524
Investment Income
$65,756
Other Revenue
$0
Change in Net Assets
$23,806
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$254,683
Salaries, Compensation, and Employee Benefits$235,791
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$177,576
Information Technology---$122,826
Office Expenses---$51,703
Other Salaries and Wages---$35,763
Occupancy---$18,786
Fees for Services Accounting---$16,506
Insurance---$16,101
Payroll Taxes---$15,938
Fees for Services Other---$5,705
Interest---$4,749
Other Employee Benefits---$4,022
Advertising---$3,881
Other Expenses---$3,680
Depreciation Depletion---$3,664
Pension Plan Contributions---$2,492
All Other Expenses---$-22,113
Total Functional Expenses$0$0$0$490,474
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
Member Deposit Accounts$10,518,085
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit Union is composed of members.”

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

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

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

“Mergers are voted on by entire membership.”

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

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

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

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

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

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

Form 990, Part VI, Section 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
Eastpointe Community Credit Union
EIN
38-1620440
Phone
5867753160
Address
22544 Gratiot Ave, Eastpointe, MI 48021

Signing Officer

Name
Theresa Hing
Title
Manager
Signed
2023-05-04
Discuss with paid preparer
Yes

Organization Details

Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
8

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Raw XML Appendix374 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0-78397
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0-130806
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Our goal is to provide the best possible financial service to all members at competitive rates and to maintain the CU's long-term financial stability. Big enough to get the job doneSmall enough to care.
IRS990/AdvertisingGrp/TotalAmt03881
IRS990/AllOtherExpensesGrp/TotalAmt0-22113
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0David Lafayette
IRS990/BooksInCareOfDetail/PhoneNum05867753160
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt022544 Gratiot Ave
IRS990/BooksInCareOfDetail/USAddress/CityNm0Eastpointe
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048021
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0156215
IRS990/CashNonInterestBearingGrp/EOYAmt0169128
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0177576
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt065756
IRS990/CYOtherExpensesAmt0254683
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0448524
IRS990/CYRevenuesLessExpensesAmt023806
IRS990/CYSalariesCompEmpBnftPaidAmt0235791
IRS990/CYTotalExpensesAmt0490474
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0514280
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt03664
IRS990/Desc0The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2022 was 1,471.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt016506
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt05705
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt011434
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt119060
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0David Lafayette
IRS990/Form990PartVIISectionAGrp/PersonNm1Theresa Hing
IRS990/Form990PartVIISectionAGrp/PersonNm2Rebecca Hertel
IRS990/Form990PartVIISectionAGrp/PersonNm3WILLIAM MCCABE
IRS990/Form990PartVIISectionAGrp/PersonNm4Ayda Berro
IRS990/Form990PartVIISectionAGrp/PersonNm5Mary Mathison
IRS990/Form990PartVIISectionAGrp/PersonNm6Deborah Szukala
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt079184
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt167898
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0COO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chairperson
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0514280
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0122826
IRS990/InsuranceGrp/TotalAmt016101
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt04749
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt065756
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt065756
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03648884
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt047900
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt03326278
IRS990/IRPDocumentCnt0217
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0325212
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014987
IRS990/LandBldgEquipBasisNetGrp/EOYAmt018057
IRS990/LandBldgEquipCostOrOtherBssAmt0343269
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Our goal is to provide the best possible financial service to all members at competitive rates and to maintain the CU's long-term financial stability. Big enough to get the job doneSmall enough to care.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0652757
IRS990/NetAssetsOrFundBalancesEOYAmt0336412
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-340151
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt018786
IRS990/OfficeExpensesGrp/TotalAmt051703
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0119483
IRS990/OtherAssetsTotalGrp/EOYAmt0134811
IRS990/OtherEmployeeBenefitsGrp/TotalAmt04022
IRS990/OtherExpensesGrp/Desc0ATM/Debit/Credit
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc2Miscellaneous Expenses
IRS990/OtherExpensesGrp/Desc3Postage and Shipping
IRS990/OtherExpensesGrp/TotalAmt015221
IRS990/OtherExpensesGrp/TotalAmt110107
IRS990/OtherExpensesGrp/TotalAmt23867
IRS990/OtherExpensesGrp/TotalAmt33680
IRS990/OtherLiabilitiesGrp/BOYAmt011073933
IRS990/OtherLiabilitiesGrp/EOYAmt010518085
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0Insurance Reimbursements
IRS990/OtherRevenueMiscGrp/Desc1Sprint Reimbursement
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt035763
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05523587
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06497291
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt015938
IRS990/PensionPlanContributionsGrp/TotalAmt02492
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt020313
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt015776
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522291
IRS990/ProgramServiceRevenueGrp/Desc0Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc1Insurance Reimbursements
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0185139
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1262426
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0185139
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1959
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2262426
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0959
IRS990/ProgSrvcAccomActy2Grp/Desc0Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2022 was 489.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt051662
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0296929
IRS990/PYProgramServiceRevenueAmt0427762
IRS990/PYRevenuesLessExpensesAmt0-57997
IRS990/PYSalariesCompEmpBnftPaidAmt0240492
IRS990/PYTotalExpensesAmt0537421
IRS990/PYTotalRevenueAmt0479424
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt023806
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0652757
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0336412
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02164824
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0514450
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04030
IRS990ScheduleD/BuildingsGrp/DepreciationAmt070865
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt074895
IRS990ScheduleD/LandGrp/BookValueAmt08880
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt08880
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05147
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0254347
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0259494
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010518085
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposit Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt018057
IRS990ScheduleD/TotalLiabilityAmt010518085
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit 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/ExplanationTxt3Management reviews tax returns and forwards US Form 8879-EO 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 approved by the Board minus the lendee.
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/TotalAssetsBOYAmt011648293
IRS990/TotalAssetsEOYAmt010723691
IRS990/TotalAssetsGrp/BOYAmt011648293
IRS990/TotalAssetsGrp/EOYAmt010723691
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0490474
IRS990/TotalGrossUBIAmt0959
IRS990/TotalLiabilitiesBOYAmt010995536
IRS990/TotalLiabilitiesEOYAmt010387279
IRS990/TotalLiabilitiesGrp/BOYAmt010995536
IRS990/TotalLiabilitiesGrp/EOYAmt010387279
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0652757
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0336412
IRS990/TotalOtherCompensationAmt030494
IRS990/TotalProgramServiceRevenueAmt0448524
IRS990/TotalReportableCompFromOrgAmt0147082
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0513321
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0514280
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0959
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011648293
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010723691
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt022544 Gratiot Ave
IRS990/USAddress/CityNm0Eastpointe
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048021
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.eastpointeccu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Theresa Hing
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-05-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Eastpointe Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0EAST
ReturnHeader/Filer/EIN0381620440
ReturnHeader/Filer/PhoneNum05867753160
ReturnHeader/Filer/USAddress/AddressLine1Txt022544 Gratiot Ave
ReturnHeader/Filer/USAddress/CityNm0Eastpointe
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048021
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/PreparerPersonNm0Patrick Haughey
ReturnHeader/ReturnTs02023-05-04T08:10:31-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Theresa
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Hing
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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