Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1644983 • 501(c)14 • Taylor, MI

View Organization Page

Profile

Total Community Credit Union is a member-owned financial institution committed to providing the highest quality financial products and services with a focus on convenience, value and excellent member service.

25155 Goddard RdTaylor, MI 48180

www.tccu.us

Siviq Scores

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

Liabilities / Assets

34th percentile

0.88x

Higher debt load relative to assets than 34% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

13.89x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

94th percentile

29%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

51st percentile

2.2%

Faster asset growth than 51% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

52nd percentile

15%

Faster revenue growth than 52% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets34th percentile

Assets

Up

$100,755,781

Up $2,138,851 (+2.2%) from 2023

Liabilities

Down

$88,726,804

Down $269,699 (-0.3%) from 2023

Net Assets

Up

$12,028,977

Up $2,408,550 (+25%) from 2023

Operations
Liabilities / Revenue31st percentileNet Margin94th percentile

Revenue

Up

$6,386,205

Up $848,860 (+15%) from 2023

Expenses

Up

$4,516,842

Up $761,728 (+20%) from 2023

Net Income

Up

$1,869,363

Up $87,132 (+4.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth51st percentile

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

$150M$100M$50M$0Assets 2010: $46,337,035Liabilities 2010: $41,935,160Net Assets 2010: $4,401,8752010Assets 2011: $49,209,946Liabilities 2011: $44,912,672Net Assets 2011: $4,297,2742011Assets 2012: $52,814,159Liabilities 2012: $47,983,989Net Assets 2012: $4,830,1702012Assets 2013: $54,937,055Liabilities 2013: $50,516,338Net Assets 2013: $4,420,7172013Assets 2014: $57,571,509Liabilities 2014: $53,047,848Net Assets 2014: $4,523,6612014Assets 2015: $59,384,250Liabilities 2015: $54,940,169Net Assets 2015: $4,444,0812015Assets 2016: $62,384,588Liabilities 2016: $57,583,148Net Assets 2016: $4,801,4402016Assets 2017: $64,822,938Liabilities 2017: $59,616,167Net Assets 2017: $5,206,7712017Assets 2018: $66,761,800Liabilities 2018: $60,830,374Net Assets 2018: $5,931,4262018Assets 2019: $71,206,658Liabilities 2019: $63,762,881Net Assets 2019: $7,443,7772019Assets 2020: $88,488,211Liabilities 2020: $79,912,276Net Assets 2020: $8,575,9352020Assets 2021: $99,005,378Liabilities 2021: $89,871,178Net Assets 2021: $9,134,2002021Assets 2022: $98,918,041Liabilities 2022: $91,959,054Net Assets 2022: $6,958,9872022Assets 2023: $98,616,930Liabilities 2023: $88,996,503Net Assets 2023: $9,620,4272023Assets 2024: $100,755,781Liabilities 2024: $88,726,804Net Assets 2024: $12,028,9772024

Highlighted filing

2024

Assets$100,755,781
Liabilities$88,726,804
Net Assets$12,028,977
Open 2024 Filing

Operations Trend

Revenue Growth52nd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,158,3712010Expenses 2011: $2,822,9522011Expenses 2012: $2,681,9332012Revenue 2013: $2,672,705Expenses 2013: $2,599,784Net Income 2013: $72,9212013Revenue 2014: $2,585,195Expenses 2014: $2,555,405Net Income 2014: $29,7902014Revenue 2015: $2,770,690Expenses 2015: $2,645,468Net Income 2015: $125,2222015Revenue 2016: $2,985,759Expenses 2016: $2,781,376Net Income 2016: $204,3832016Revenue 2017: $3,118,645Expenses 2017: $2,670,210Net Income 2017: $448,4352017Revenue 2018: $3,605,332Expenses 2018: $2,633,358Net Income 2018: $971,9742018Revenue 2019: $3,927,374Expenses 2019: $2,887,066Net Income 2019: $1,040,3082019Revenue 2020: $3,883,019Expenses 2020: $2,881,889Net Income 2020: $1,001,1302020Revenue 2021: $4,019,004Expenses 2021: $2,917,659Net Income 2021: $1,101,3452021Revenue 2022: $4,439,149Expenses 2022: $3,233,987Net Income 2022: $1,205,1622022Revenue 2023: $5,537,345Expenses 2023: $3,755,114Net Income 2023: $1,782,2312023Revenue 2024: $6,386,205Expenses 2024: $4,516,842Net Income 2024: $1,869,3632024

Highlighted filing

2024

Revenue$6,386,205
Expenses$4,516,842
Net Income$1,869,363
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$100,755,781
Liabilities
$88,726,804
Net assets
$12,028,977
Revenue
$6,386,205
Expenses
$4,516,842
Net income
$1,869,363
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$88.7$12.0$6.39$4.52$1.87
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$98.6$89.0$9.62$5.54$3.76$1.78
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$98.9$92.0$6.96$4.44$3.23$1.21
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$99.0$89.9$9.13$4.02$2.92$1.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$88.5$79.9$8.58$3.88$2.88$1.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.2$63.8$7.44$3.93$2.89$1.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.8$60.8$5.93$3.61$2.63$0.97
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.8$59.6$5.21$3.12$2.67$0.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.4$57.6$4.80$2.99$2.78$0.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.4$54.9$4.44$2.77$2.65$0.13
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.6$53.0$4.52$2.59$2.56$0.03
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$54.9$50.5$4.42$2.67$2.60$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.8$48.0$4.83$2.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.2$44.9$4.30$2.82
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.3$41.9$4.40$3.16
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 16, 2025
Return Version
2024v5.1
Gross Receipts
$6,386,205
Mission and Program Overview

Mission

Provide financial services and products to members.

Total community credit union is a member-owned financial institution committed to providing the highest quality financial products and services with a focus on convenience, value and excellent member service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$49,146,272$44,678,135▼ $4,468,137
Investments in Publicly Traded Securities$23,895,580$22,961,808▼ $933,772
Savings and Temporary Cash Investments$15,893,008$22,265,627▲ $6,372,619
Rtn Earn Endowment Incm Other Fnds$9,620,427$12,028,977▲ $2,408,550
Investments Other Securities$3,751,951$5,256,131▲ $1,504,180
Land, Buildings, and Equipment, Net$2,589,257$2,529,050▼ $60,207
Cash and Non-Interest-Bearing Accounts$727,368$795,096▲ $67,728
Accounts Receivable$102,408$186,603▲ $84,195
Prepaid Expenses and Deferred Charges$68,947$90,534▲ $21,587
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$98,616,930$100,755,781▲ $2,138,851
Other Assets Total$2,442,139$1,992,797▼ $449,342
Liabilities
Other Liabilities$87,815,252$87,955,673▲ $140,421
Accounts Payable and Accrued Expenses$1,181,251$771,131▼ $410,120
Total Liabilities$88,996,503$88,726,804▼ $269,699
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,620,427$12,028,977▲ $2,408,550
Total Liabilities and Net Assets / Fund Balance$98,616,930$100,755,781▲ $2,138,851

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,041,068$700,139$2,741,207
Other Land Buildings$355,041$466,017$821,058
Land$132,941-$132,941
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susette SchirmPresident & CEOFT$231,667$79,733$311,400

Board Members and Trustees

NameTitle
Robert MerrimanChairman
Dennis DanvilleDirector
Donald MyersDirector
Ronald BrittDirector
Sandra TannerDirector
Kenneth NelsonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersData Processing6000 28TH STREET SE, Grand Rapids, MI 49546$314,218
HapMedical Insurance3031 W Grand Blvd, Detroit, MI 48202$208,459
Visa USACard ProcessorPO BOX 8999, San Francisco, CA 94128$112,837
FisCard Processor323 RIVERSIDE AVE, Jacksonville, FL 32202$110,903
FiservCard Processor255 FISERV DRIVE, Brookfield, WI 53008-0979$110,903
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,154,667
Investment Income
$1,231,538
Other Revenue
$0
Change in Net Assets
$1,869,363
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,536,345
Salaries, Compensation, and Employee Benefits$1,980,497
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,241,174
Interest---$358,191
Current Officers, Directors, Trustees, and Key Employees---$311,400
Information Technology---$253,631
Office Expenses---$235,331
Other Employee Benefits---$193,149
Payroll Taxes---$121,613
Depreciation Depletion---$121,582
Pension Plan Contributions---$113,161
Occupancy---$88,160
Travel---$57,864
Advertising---$57,738
Other Expenses---$28,758
All Other Expenses---$15,278
Payments to Affiliates---$10,382
Fees for Services Legal---$1,443
Total Functional Expenses$0$0$0$4,516,842
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
Shares$87,332,091
Other Liabilities$623,582
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

“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

“Credit union members elect members of the governing body each year at the 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 and board reviews tax returns and forwards us form 8879-te to tax preparer. A copy is made available to the board of directors for review before e-filing.”

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

“The board of directors completes a performance appraisal of the ceo. Compensation committee reviews salaries, third party data, and presents to the board of directors. Management compensation is determined by the board of directors. All other employees are union members and salary is negotiated in the union contract.”

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

“The credit union uses the Compease program the personnel committee reviews data and CEO performance and makes a recommendation to the board of directors.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly at our primary office. Quarterly call reports are available at the ncua.gov website. All other documents are made available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Total Community Credit Union
EIN
38-1644983
Phone
3132913300
Address
25155 GODDARD RD, TAYLOR, MI 48180

Signing Officer

Name
Susette Schirm
Title
CEO
Signed
2025-05-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susette Schirm
Formed
1960
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
36
Volunteers
6

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Supplemental Narrative

Additional Explanations

990-T

“Form 8925 was not attached in the original return.”

Raw XML AppendixShowing 400 of 427 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/BOYAmt01181251
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0771131
IRS990/AccountsReceivableGrp/BOYAmt0102408
IRS990/AccountsReceivableGrp/EOYAmt0186603
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TOTAL COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION COMMITTED TO PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES WITH A FOCUS ON CONVENIENCE, VALUE AND EXCELLENT MEMBER SERVICE.
IRS990/AdvertisingGrp/TotalAmt057738
IRS990/AllOtherExpensesGrp/TotalAmt015278
IRS990/AmendedReturnInd0X
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0SUSETTE SCHIRM
IRS990/BooksInCareOfDetail/PhoneNum03132913300
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IRS990/BooksInCareOfDetail/USAddress/CityNm0TAYLOR
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048180
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0727368
IRS990/CashNonInterestBearingGrp/EOYAmt0795096
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0311400
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0314218
IRS990/ContractorCompensationGrp/CompensationAmt1110903
IRS990/ContractorCompensationGrp/CompensationAmt2110903
IRS990/ContractorCompensationGrp/CompensationAmt3208459
IRS990/ContractorCompensationGrp/CompensationAmt4112837
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06000 28TH STREET SE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1255 FISERV DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2323 RIVERSIDE AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt33031 W Grand Blvd
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4PO BOX 8999
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1BROOKFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2JACKSONVILLE
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4CA
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4VISA USA
IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1CARD PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc2CARD PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc3MEDICAL INSURANCE
IRS990/ContractorCompensationGrp/ServicesDesc4CARD PROCESSOR
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt05154667
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IRS990/CYTotalExpensesAmt04516842
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt06386205
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0121582
IRS990/Desc0THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATE AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2024 WAS 6,707.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt036
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt01443
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/PersonNm3KENNETH NELSON
IRS990/Form990PartVIISectionAGrp/PersonNm4DONALD MYERS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
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IRS990/MissionDesc0TOTAL COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION COMMITTED TO PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES WITH A FOCUS ON CONVENIENCE, VALUE AND EXCELLENT MEMBER SERVICE.
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IRS990/OtherExpensesGrp/Desc1CREDIT LOSS EXPENSE
IRS990/OtherExpensesGrp/Desc2PRO SERVICES
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IRS990/OtherExpensesGrp/TotalAmt1442190
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IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INTEREST ON LOANS
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt125907
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOAN TYPES TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 5,704.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
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IRS990ScheduleD/TotalBookValueSecuritiesAmt05256131
IRS990ScheduleD/TotalLiabilityAmt087955673
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt030277
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt023442
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt07660
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SUSETTE SCHIRM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President & CEO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT MEMBERS OF THE GOVERNING BODY EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT AND BOARD REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. A COPY IS MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW BEFORE E-FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS COMPLETES A PERFORMANCE APPRAISAL OF THE CEO. COMPENSATION COMMITTEE REVIEWS SALARIES, THIRD PARTY DATA, AND PRESENTS TO THE BOARD OF DIRECTORS. MANAGEMENT COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. ALL OTHER EMPLOYEES ARE UNION MEMBERS AND SALARY IS NEGOTIATED IN THE UNION CONTRACT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The credit union uses the Compease program the personnel committee reviews data and CEO performance and makes a recommendation to the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED MONTHLY AT OUR PRIMARY OFFICE. QUARTERLY CALL REPORTS ARE AVAILABLE AT THE NCUA.GOV WEBSITE. ALL OTHER DOCUMENTS ARE MADE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Form 8925 was not attached in the original return.
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 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7990-T
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