Civic Intelligence

Credit Unions Chartered in the State Of

EIN 38-1629407 • 501(c)14 • Grand Rapids, MI

Profile

Provide financial services to members with a common bond.

2410 Gaynor - PO Box 141607Grand Rapids, MI 49514

www.meijercreditunion.com

Siviq Scores

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

Liabilities / Assets

65th percentile

0.90x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

15th percentile

11.37x

Higher debt load relative to revenue than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

59th percentile

14%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

61st percentile

$256,656

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Asset Growth

91st percentile

10%

Faster asset growth than 91% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

64th percentile

16%

Faster revenue growth than 64% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$104,617,259

Up $11,336,580 (+12%) from 2023

Liabilities

Up

$95,046,539

Up $10,042,419 (+12%) from 2023

Net Assets

Up

$9,570,720

Up $1,294,161 (+16%) from 2023

Operations
Liabilities / Revenue15th percentileNet Margin59th percentile

Revenue

Up

$7,909,380

Up $1,532,836 (+24%) from 2023

Expenses

Up

$7,106,370

Up $1,526,801 (+27%) from 2023

Net Income

Up

$803,010

Up $6,035 (+0.8%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth91st percentile

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

$150M$100M$50M$0Assets 2010: $56,515,818Liabilities 2010: $51,178,181Net Assets 2010: $5,337,6372010Assets 2011: $56,737,167Liabilities 2011: $51,302,925Net Assets 2011: $5,434,2422011Assets 2012: $56,658,971Liabilities 2012: $50,657,602Net Assets 2012: $6,001,3692012Assets 2013: $55,785,596Liabilities 2013: $49,931,408Net Assets 2013: $5,854,1882013Assets 2014: $58,186,534Liabilities 2014: $52,108,668Net Assets 2014: $6,077,8662014Assets 2015: $57,858,332Liabilities 2015: $51,724,871Net Assets 2015: $6,133,4612015Assets 2016: $60,728,900Liabilities 2016: $54,333,571Net Assets 2016: $6,395,3292016Assets 2017: $64,218,767Liabilities 2017: $57,453,327Net Assets 2017: $6,765,4402017Assets 2018: $64,514,003Liabilities 2018: $57,985,659Net Assets 2018: $6,528,3442018Assets 2019: $67,322,316Liabilities 2019: $60,365,054Net Assets 2019: $6,957,2622019Assets 2020: $81,569,624Liabilities 2020: $74,107,566Net Assets 2020: $7,462,0582020Assets 2021: $89,560,448Liabilities 2021: $81,788,369Net Assets 2021: $7,772,0792021Assets 2022: $85,942,034Liabilities 2022: $79,308,500Net Assets 2022: $6,633,5342022Assets 2023: $93,280,679Liabilities 2023: $85,004,120Net Assets 2023: $8,276,5592023Assets 2024: $104,617,259Liabilities 2024: $95,046,539Net Assets 2024: $9,570,7202024

Highlighted filing

2024

Assets$104,617,259
Liabilities$95,046,539
Net Assets$9,570,720
Open 2024 Filing

Operations Trend

Revenue Growth64th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $3,281,6232010Revenue 2011: $3,173,394Expenses 2011: $3,079,614Net Income 2011: $93,7802011Expenses 2012: $2,586,1072012Revenue 2013: $2,827,498Expenses 2013: $2,653,737Net Income 2013: $173,7612013Revenue 2014: $2,899,467Expenses 2014: $2,816,412Net Income 2014: $83,0552014Revenue 2015: $3,180,491Expenses 2015: $3,082,286Net Income 2015: $98,2052015Revenue 2016: $3,880,374Expenses 2016: $3,626,755Net Income 2016: $253,6192016Revenue 2017: $4,570,210Expenses 2017: $4,227,699Net Income 2017: $342,5112017Revenue 2018: $5,187,194Expenses 2018: $5,403,050Net Income 2018: -$215,8562018Revenue 2019: $5,443,624Expenses 2019: $5,091,944Net Income 2019: $351,6802019Revenue 2020: $5,095,617Expenses 2020: $4,730,086Net Income 2020: $365,5312020Revenue 2021: $5,155,144Expenses 2021: $4,490,017Net Income 2021: $665,1272021Revenue 2022: $5,162,845Expenses 2022: $4,755,278Net Income 2022: $407,5672022Revenue 2023: $6,376,544Expenses 2023: $5,579,569Net Income 2023: $796,9752023Revenue 2024: $7,909,380Expenses 2024: $7,106,370Net Income 2024: $803,0102024

Highlighted filing

2024

Revenue$7,909,380
Expenses$7,106,370
Net Income$803,010
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$104,617,259
Liabilities
$95,046,539
Net assets
$9,570,720
Revenue
$7,909,380
Expenses
$7,106,370
Net income
$803,010
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$105$95.0$9.57$7.91$7.11$0.80
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.3$85.0$8.28$6.38$5.58$0.80
2022Detailed filing. Detailed filing data is available for this year.$85.9$79.3$6.63$5.16$4.76$0.41
2021Detailed filing. Detailed filing data is available for this year.$89.6$81.8$7.77$5.16$4.49$0.67
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$81.6$74.1$7.46$5.10$4.73$0.37
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.3$60.4$6.96$5.44$5.09$0.35
2018Detailed filing. Detailed filing data is available for this year.$64.5$58.0$6.53$5.19$5.40$0.22
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.2$57.5$6.77$4.57$4.23$0.34
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$60.7$54.3$6.40$3.88$3.63$0.25
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.9$51.7$6.13$3.18$3.08$0.10
2014Detailed filing. Detailed filing data is available for this year.$58.2$52.1$6.08$2.90$2.82$0.08
2013Detailed filing. Detailed filing data is available for this year.$55.8$49.9$5.85$2.83$2.65$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.7$50.7$6.00$2.59
2011Summary only. Only limited summary data is available for this year.$56.7$51.3$5.43$3.17$3.08$0.09
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.5$51.2$5.34$3.28
Latest Detailed Filing

The latest 2024 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
Aug 23, 2023
Return Version
2022v5.0
Gross Receipts
$13,896,221
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$38,991,488$51,590,088▲ $12,598,600
Investments in Publicly Traded Securities-$16,696,424-
Savings and Temporary Cash Investments$13,989,481$10,511,185▼ $3,478,296
Rtn Earn Endowment Incm Other Fnds$7,772,079$6,633,534▼ $1,138,545
Investments Other Securities$33,453,900$4,207,596▼ $29,246,304
Land, Buildings, and Equipment, Net$950,273$941,946▼ $8,327
Cash and Non-Interest-Bearing Accounts$543,226$601,029▲ $57,803
Prepaid Expenses and Deferred Charges$69,292$101,463▲ $32,171
Accounts Receivable$42,339$50,617▲ $8,278
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$89,560,448$85,942,034▼ $3,618,414
Other Assets Total$1,520,449$1,241,686▼ $278,763
Liabilities
Other Liabilities$81,379,023$78,173,345▼ $3,205,678
Accounts Payable and Accrued Expenses$409,346$1,135,155▲ $725,809
Total Liabilities$81,788,369$79,308,500▼ $2,479,869
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,772,079$6,633,534▼ $1,138,545
Total Liabilities and Net Assets / Fund Balance$89,560,448$85,942,034▼ $3,618,414

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$120,270$785,558-
Other Land Buildings$147,950$378,408-
Land$660,348--
Equipment$13,170$301,086-
Leasehold Improvements$208$26,420-
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mathew YanoschikPresident & CEOFT$108,225$54,185$171,969
Sandy SiedleckiSVP OperationsFT$107,101$19,730$126,831
Angela PattersonVP LendingFT$107,784$12,099$119,883
Daniel Zimolzakformer CFOFT$45,187$37,305$72,933
Jordan KowalkowskiCFOFT$13,488$692$14,180

Board Members and Trustees

NameTitle
Tom RiddleChairperson
Bryan RichardsVice Chair
Keith MorrisonDirector
Philip KeiblerDirector
Sheila MarshallSecretary
Jeff PowersTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Star Systems IncCard Services401 West A Street Suite 600, San Diego, CA 92101$491,993
CUAnswersData Processing6000 28th Street, Grand Rapids, MI 49546$377,971
Priority HealthHealth Insurance1231 East Beltline NE, Grand Rapids, MI 49525$268,009
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,732,962
Investment Income
$429,883
Other Revenue
$0
Change in Net Assets
$407,567
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,440,496
Salaries, Compensation, and Employee Benefits$2,314,782
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,605,033
Information Technology---$277,469
Office Expenses---$262,742
Current Officers, Directors, Trustees, and Key Employees---$259,083
Other Employee Benefits---$234,880
Fees for Services Other---$227,450
Interest---$154,059
Payroll Taxes---$137,402
Occupancy---$122,645
All Other Expenses---$119,410
Other Expenses---$116,619
Depreciation Depletion---$84,566
Pension Plan Contributions---$78,384
Advertising---$35,223
Insurance---$33,342
Travel---$15,824
Fees for Services Legal---$2,692
Total Functional Expenses$0$0$0$4,755,278
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 Shares & Deposits$78,173,345
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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

“Section 501c(14) Credit Union is composed of members. 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

“Board Members are elected at the Annual Meeting held in March each year. Nominations must be filed with the election committee by the previous December. Board Members are elected for a three year term.”

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

“Mergers, if the Credit Union is not the surviving institution, coversion to federal charter or bank or savings institution require approval by the membership.”

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

“The Form 990 is carefully reviewed by management as is made available to the Board of Directors prior to filing.”

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

“An Annual Conflict of interest statement is signed by the Directors and officers. Board members are required to recuse themselves from any discussion or voting matters where there may be a conflict.”

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

“President & CEO compensation is reviewed and approved by the Board of Directors annually using the results of several compensation surveys. The approval of the President & CEO's compensation is documented in HR and the compensation budget is included in the Board of Director minutes. The compensation review is completed annually.”

Form 990, Part VI, Section C, Line 19

“The monthly financial statements are posted in the Credit Union lobby. Other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of
EIN
38-1629407
Phone
6167844822
Address
2410 GAYNOR - PO BOX 141607, Grand Rapids, MI 49514

Signing Officer

Name
Jordan Kowalkowski
Title
CFO
Signed
2023-08-23
Discuss with paid preparer
Yes

Organization Details

Formed
1958
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
51
Volunteers
9

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Raw XML AppendixShowing 400 of 468 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/BOYAmt0409346
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01135155
IRS990/AccountsReceivableGrp/BOYAmt042339
IRS990/AccountsReceivableGrp/EOYAmt050617
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Provide financial services and products to members.
IRS990/AdvertisingGrp/TotalAmt035223
IRS990/AllOtherExpensesGrp/TotalAmt0119410
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Mathew Yanoschik
IRS990/BooksInCareOfDetail/PhoneNum06167844822
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02410 Gaynor Ave NW
IRS990/BooksInCareOfDetail/USAddress/CityNm0Grand Rapids
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0495441830
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0543226
IRS990/CashNonInterestBearingGrp/EOYAmt0601029
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0259083
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0491993
IRS990/ContractorCompensationGrp/CompensationAmt1268009
IRS990/ContractorCompensationGrp/CompensationAmt2377971
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0401 West A Street Suite 600
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt11231 East Beltline NE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt26000 28th Street
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0San Diego
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Grand Rapids
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Grand Rapids
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd092101
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd149525
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd249546
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Star Systems Inc
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Priority Health
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2CUAnswers
IRS990/ContractorCompensationGrp/ServicesDesc0Card Services
IRS990/ContractorCompensationGrp/ServicesDesc1Health Insurance
IRS990/ContractorCompensationGrp/ServicesDesc2Data Processing
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0429883
IRS990/CYOtherExpensesAmt02440496
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt04732962
IRS990/CYRevenuesLessExpensesAmt0407567
IRS990/CYSalariesCompEmpBnftPaidAmt02314782
IRS990/CYTotalExpensesAmt04755278
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt05162845
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt084566
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 15,539.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt051
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt02692
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0227450
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0MATHEW YANOSCHIK
IRS990/Form990PartVIISectionAGrp/PersonNm1Sandy Siedlecki
IRS990/Form990PartVIISectionAGrp/PersonNm2Angela Patterson
IRS990/Form990PartVIISectionAGrp/PersonNm3Daniel Zimolzak
IRS990/Form990PartVIISectionAGrp/PersonNm4Jordan Kowalkowski
IRS990/Form990PartVIISectionAGrp/PersonNm5Tom Riddle
IRS990/Form990PartVIISectionAGrp/PersonNm6Sheila Marshall
IRS990/Form990PartVIISectionAGrp/PersonNm7Jeff Powers
IRS990/Form990PartVIISectionAGrp/PersonNm8Keith Morrison
IRS990/Form990PartVIISectionAGrp/PersonNm9Philip Keibler
IRS990/Form990PartVIISectionAGrp/PersonNm10BRYAN RICHARDS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1SVP Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt3former CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt4CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE CHAIR
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IRS990/Form990TFiledInd0true
IRS990/FormationYr01958
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IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0120292
IRS990/GamingActivitiesInd0false
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IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt08853668
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IRS990/IncludeFIN48FootnoteInd0false
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0277469
IRS990/InsuranceGrp/TotalAmt033342
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0154059
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
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IRS990/IRPDocumentCnt01706
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IRS990/LandBldgEquipCostOrOtherBssAmt02433418
IRS990/LegalDomicileStateCd0MI
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IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt07772079
IRS990/NetAssetsOrFundBalancesEOYAmt06633534
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0120292
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0120292
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1546112
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0122645
IRS990/OfficeExpensesGrp/TotalAmt0262742
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01520449
IRS990/OtherAssetsTotalGrp/EOYAmt01241686
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0234880
IRS990/OtherExpensesGrp/Desc0ATM/Credit/Debit Card Expense
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Shared Branching
IRS990/OtherExpensesGrp/Desc3Provision for Loan Losses
IRS990/OtherExpensesGrp/TotalAmt0567860
IRS990/OtherExpensesGrp/TotalAmt1286936
IRS990/OtherExpensesGrp/TotalAmt2133659
IRS990/OtherExpensesGrp/TotalAmt3116619
IRS990/OtherLiabilitiesGrp/BOYAmt081379023
IRS990/OtherLiabilitiesGrp/EOYAmt078173345
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0Non-Member ATM Fees
IRS990/OtherRevenueMiscGrp/Desc1Other Non-Member Income
IRS990/OtherRevenueMiscGrp/Desc2Shared Branch Income
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01605033
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt038991488
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt051590088
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0137402
IRS990/PensionPlanContributionsGrp/TotalAmt078384
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt069292
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0101463
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/Desc0Fees and Other Charges
IRS990/ProgramServiceRevenueGrp/Desc1Insurance Marketing
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc3Non-Member ATM Fees
IRS990/ProgramServiceRevenueGrp/Desc4WARRANTY INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02091340
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12615710
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02091340
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt113099
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22615710
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt36213
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt46600
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt013099
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt16213
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt26600
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 12/31/2022 was 5,400.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer Automated Teller MAchines, Safe Deposit Boxes, Debit Card, Tavelers Checks, Money Orders, Overdraft Privilege, Bill Pay, Financial Education & Counseling, In-School Branches and various insurance programs to all eligible members.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0776123
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02126728
IRS990/PYProgramServiceRevenueAmt04379021
IRS990/PYRevenuesLessExpensesAmt0665127
IRS990/PYSalariesCompEmpBnftPaidAmt02363289
IRS990/PYTotalExpensesAmt04490017
IRS990/PYTotalRevenueAmt05155144
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0407567
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07772079
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06633534
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013989481
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010511185
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0120270
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0785558
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0905828
IRS990ScheduleD/EquipmentGrp/BookValueAmt013170
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0301086
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0314256
IRS990ScheduleD/LandGrp/BookValueAmt0660348
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0660348
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0208
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt026420
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt026628
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0147950
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0378408
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0526358
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt078173345
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0941946
IRS990ScheduleD/TotalLiabilityAmt078173345
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1108225
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount119424
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt04428
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt113629
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt09559
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt010400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt121132
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Daniel Zimolzak
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MATHEW YANOSCHIK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0former CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1President & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt072933
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1171969
IRS990ScheduleJ/SeverancePaymentInd0false
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members. The Credit Union has a single class of members with equal rights of ownership, governance and voting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board Members are elected at the Annual Meeting held in March each year. Nominations must be filed with the election committee by the previous December. Board Members are elected for a three year term.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers, if the Credit Union is not the surviving institution, coversion to federal charter or bank or savings institution require approval by the membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Form 990 is carefully reviewed by management as is made available to the Board of Directors prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4An Annual Conflict of interest statement is signed by the Directors and officers. Board members are required to recuse themselves from any discussion or voting matters where there may be a conflict.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5President & CEO compensation is reviewed and approved by the Board of Directors annually using the results of several compensation surveys. The approval of the President & CEO's compensation is documented in HR and the compensation budget is included in the Board of Director minutes. The compensation review is completed annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The monthly financial statements are posted in the Credit Union lobby. Other documents are available upon request.
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
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt089560448
IRS990/TotalAssetsEOYAmt085942034
IRS990/TotalAssetsGrp/BOYAmt089560448
IRS990/TotalAssetsGrp/EOYAmt085942034
IRS990/TotalCompGreaterThan150KInd0true

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