Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
990 • Fiscal year 2017 • EIN 38-1644983
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
Liabilities / Revenue
52nd percentile
Higher debt load relative to revenue than 52% of similar nonprofits.
Net Margin
72nd percentile
Higher net margin than 72% of similar nonprofits.
Top Officer Pay
58th percentile
Higher top officer pay than 58% of similar nonprofits.
Top officer pay equals 4.8% of source-year revenue.
Asset Growth
60th percentile
Faster asset growth than 60% of similar nonprofits.
Revenue Growth
45th percentile
Faster revenue growth than 45% of similar nonprofits.
Assets
Up$64,822,938
Up $2,438,350 (+3.9%) from 2016
Net Assets
Up$5,206,771
Up $405,331 (+8.4%) from 2016
Liabilities
Up$59,616,167
Up $2,033,019 (+3.5%) from 2016
Revenue
Up$3,118,645
Up $132,886 (+4.5%) from 2016
Expenses
Down$2,670,210
Down $111,166 (-4.0%) from 2016
Net Income
Up$448,435
Up $244,052 (+119%) from 2016
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.
Provide financial services and products to members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $20,707,992 | $23,818,292 | ▲ $3,110,300 |
| Investments Other Securities | $34,508,062 | $19,498,683 | ▼ $15,009,379 |
| Savings and Temporary Cash Investments | $599,190 | $18,610,738 | ▲ $18,011,548 |
| Rtn Earn Endowment Incm Other Fnds | $4,801,440 | $5,206,771 | ▲ $405,331 |
| Investments Program Related | $4,188,122 | $0 | ▼ $4,188,122 |
| Cash and Non-Interest-Bearing Accounts | $1,096,024 | $1,240,825 | ▲ $144,801 |
| Land, Buildings, and Equipment, Net | $353,582 | $845,926 | ▲ $492,344 |
| Prepaid Expenses and Deferred Charges | $47,933 | $41,880 | ▼ $6,053 |
| Accounts Receivable | $5,643 | $8,205 | ▲ $2,562 |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $62,384,588 | $64,822,938 | ▲ $2,438,350 |
| Other Assets Total | $878,040 | $758,389 | ▼ $119,651 |
| Liabilities | |||
| Other Liabilities | $56,389,182 | $58,075,727 | ▲ $1,686,545 |
| Accounts Payable and Accrued Expenses | $1,193,966 | $1,540,440 | ▲ $346,474 |
| Total Liabilities | $57,583,148 | $59,616,167 | ▲ $2,033,019 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,801,440 | $5,206,771 | ▲ $405,331 |
| Total Liabilities and Net Assets / Fund Balance | $62,384,588 | $64,822,938 | ▲ $2,438,350 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $590,557 | - | $590,557 |
| Land | $132,941 | - | $132,941 |
| Other Land Buildings | $122,428 | - | $122,428 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Susette Schirm | President & CEO | FT | $124,389 | $25,784 | $150,173 |
| Theresa Wright | Vice President | FT | $91,336 | $2,434 | $93,770 |
| Kathleen Ando | VP of Operation | FT | $86,023 | $1,004 | $87,027 |
| Name | Title |
|---|---|
| Robert Merriman | Chairperson |
| Ronald Britt | Vice Chair |
| Dennis Danville | Director |
| Donald Myers | Director |
| Gerald Thomas | Director |
| Sandra Tanner | Director |
| Gail Castle | Secretary |
| Kenneth Nelson | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Baird & Lowler Building Co Inc | General Contractor | 8142 Macomb St, Grosse Ile, MI 48138-1574 | $428,516 |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,393,529 |
| Salaries, Compensation, and Employee Benefits | $1,276,681 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $684,168 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $330,970 |
| Office Expenses | - | - | - | $208,802 |
| Information Technology | - | - | - | $192,740 |
| Other Employee Benefits | - | - | - | $156,146 |
| Payroll Taxes | - | - | - | $81,770 |
| Occupancy | - | - | - | $73,710 |
| All Other Expenses | - | - | - | $69,005 |
| Fees for Services Accounting | - | - | - | $63,225 |
| Other Expenses | - | - | - | $58,715 |
| Depreciation Depletion | - | - | - | $54,447 |
| Interest | - | - | - | $35,627 |
| Travel | - | - | - | $30,023 |
| Pension Plan Contributions | - | - | - | $23,627 |
| Advertising | - | - | - | $17,456 |
| Total Functional Expenses | $0 | $0 | $0 | $2,670,210 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
| Liability | Amount |
|---|---|
| Member Shares & Deposits | $58,075,727 |
“The Credit Union has a single class of members with equal rights of ownership, governance, and voting.”
“Credit Union members elect members of the governing body each year at the Annual Meeting.”
“Mergers are voted on by entire membership.”
“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. A copy is made available to the Board of Directors for review.”
“The Board of Directors completes a performance appraisal of the CEO. Compensation Committee reviews salaries 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.”
“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.”
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 | 1193966 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1540440 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 5643 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 8205 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Provide financial services and products to members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 17456 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 69005 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Susette Schirm |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3132913300 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 25155 Goddard Rd |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Taylor |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 48180 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1096024 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1240825 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 330970 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 428516 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 8142 Macomb St |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Grosse Ile |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 481381574 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | Baird & Lowler Building Co Inc |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | General Contractor |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 567131 |
| IRS990/CYOtherExpensesAmt | 0 | 1393529 |
| IRS990/CYOtherRevenueAmt | 0 | 37660 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2513854 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 448435 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1276681 |
| IRS990/CYTotalExpensesAmt | 0 | 2670210 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3118645 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 54447 |
| IRS990/Desc | 0 | The Credit Union provides several deposit account types to members including savings, checking, certificate and other. The total number of members at 12-31-2017 was 6,729. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 27 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 63225 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 50.00 |
| 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | 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 | 6584 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 1004 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 2434 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Robert Merriman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Ronald Britt |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Kenneth Nelson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Gail Castle |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Gerald Thomas |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Donald Myers |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Dennis Danville |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Sandra Tanner |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Susette Schirm |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Kathleen Ando |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Theresa Wright |
| 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 | 143589 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 86023 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 91336 |
| 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 | Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | President & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP of Operation |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Vice President |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1960 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 8 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 3118645 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 192740 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 35627 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 567131 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 567131 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 34508062 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 19498683 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 4188122 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 817 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 353582 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 845926 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 845926 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Provide financial services and products to members. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4801440 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5206771 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -543 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -43104 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 73710 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 208802 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 878040 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 758389 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 156146 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 1 | Debit/ATM Program |
| IRS990/OtherExpensesGrp/Desc | 2 | Visa Expense |
| IRS990/OtherExpensesGrp/Desc | 3 | Loan Servicing |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 239348 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 222294 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 128137 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 58715 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 56389182 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 58075727 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | ATM Surcharge Fees |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | ID Protect |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 5360 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 32300 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 5360 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 32300 |
| IRS990/OtherRevenueTotalAmt | 0 | 37660 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 684168 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 20707992 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 23818292 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 81770 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 23627 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 47933 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 41880 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522220 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Other Operating Income |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 626579 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1324303 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 562972 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 626579 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1324303 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 562972 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | the 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 12-31-2017 was 6,502. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 509646 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 1550875 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2476113 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 204383 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1230501 |
| IRS990/PYTotalExpensesAmt | 0 | 2781376 |
| IRS990/PYTotalRevenueAmt | 0 | 2985759 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 448435 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4801440 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5206771 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 599190 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 18610738 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 590557 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 590557 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 132941 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 132941 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 122428 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 122428 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 58075727 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares & Deposits |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 845926 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 19498683 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 58075727 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 124389 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 6584 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 19200 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Susette Schirm |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | President & CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 150173 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union has a single class of members with equal rights of ownership, governance, and voting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Credit Union members elect members of the governing body each year at the Annual Meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Mergers are voted on by entire membership. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Management reviews tax returns and forwards US Form 8879-EO to tax preparer. A copy is made available to the Board of Directors for review. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The Board of Directors completes a performance appraisal of the CEO. Compensation Committee reviews salaries 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/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 62384588 |
| IRS990/TotalAssetsEOYAmt | 0 | 64822938 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 62384588 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 64822938 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 27 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2670210 |
| IRS990/TotalGrossUBIAmt | 0 | 37660 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 57583148 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 59616167 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 57583148 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 59616167 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 4801440 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 5206771 |
| IRS990/TotalOtherCompensationAmt | 0 | 10022 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2513854 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 320948 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3080985 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3118645 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 37660 |
| IRS990/TotalVolunteersCnt | 0 | 11 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 62384588 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 64822938 |
| IRS990/TravelGrp/TotalAmt | 0 | 30023 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 8 |
| IRS990/VotingMembersIndependentCnt | 0 | 8 |
| IRS990/WebsiteAddressTxt | 0 | www.tccu.us |
| IRS990/WhistleblowerPolicyInd | 0 | false |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
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