Liabilities / Assets
68th percentile
Higher debt load relative to assets than 68% of similar nonprofits.
990 • Fiscal year 2019 • EIN 38-1644983
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
68th percentile
Higher debt load relative to assets than 68% of similar nonprofits.
Liabilities / Revenue
43rd percentile
Higher debt load relative to revenue than 43% of similar nonprofits.
Net Margin
95th percentile
Higher net margin than 95% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 5.0% of source-year revenue.
Asset Growth
77th percentile
Faster asset growth than 77% of similar nonprofits.
Revenue Growth
65th percentile
Faster revenue growth than 65% of similar nonprofits.
Assets
Up$71,206,658
Up $4,444,858 (+6.7%) from 2018
Net Assets
Up$7,443,777
Up $1,512,351 (+25%) from 2018
Liabilities
Up$63,762,881
Up $2,932,507 (+4.8%) from 2018
Revenue
Up$3,927,374
Up $322,042 (+8.9%) from 2018
Expenses
Up$2,887,066
Up $253,708 (+9.6%) from 2018
Net Income
Up$1,040,308
Up $68,334 (+7.0%) from 2018
Provide financial services and products to members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $27,572,548 | $31,897,490 | ▲ $4,324,942 |
| Investments Other Securities | $23,820,367 | $19,437,481 | ▼ $4,382,886 |
| Savings and Temporary Cash Investments | $10,978,194 | $15,434,972 | ▲ $4,456,778 |
| Rtn Earn Endowment Incm Other Fnds | $5,931,426 | $7,443,777 | ▲ $1,512,351 |
| Land, Buildings, and Equipment, Net | $1,622,089 | $1,756,367 | ▲ $134,278 |
| Cash and Non-Interest-Bearing Accounts | $1,166,402 | $1,029,453 | ▼ $136,949 |
| Prepaid Expenses and Deferred Charges | $95,596 | $100,241 | ▲ $4,645 |
| Accounts Receivable | $10,894 | $1,226 | ▼ $9,668 |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $66,761,800 | $71,206,658 | ▲ $4,444,858 |
| Other Assets Total | $1,495,710 | $1,549,428 | ▲ $53,718 |
| Liabilities | |||
| Other Liabilities | $60,026,282 | $62,940,294 | ▲ $2,914,012 |
| Accounts Payable and Accrued Expenses | $804,092 | $822,587 | ▲ $18,495 |
| Total Liabilities | $60,830,374 | $63,762,881 | ▲ $2,932,507 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,931,426 | $7,443,777 | ▲ $1,512,351 |
| Total Liabilities and Net Assets / Fund Balance | $66,761,800 | $71,206,658 | ▲ $4,444,858 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,296,444 | - | $1,296,444 |
| Other Land Buildings | $326,982 | - | $326,982 |
| Land | $132,941 | - | $132,941 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Susette Schirm | President & CEO | FT | $137,815 | $59,470 | $197,285 |
| Name | Title |
|---|---|
| Robert Merriman | Chairperson |
| Ronald Britt | Vice Chair |
| Dennis Danville | Director |
| Donald Myers | Director |
| Gail Castle | Director |
| Sandra Tanner | Director |
| Gerald Thomas | Secretary |
| Kenneth Nelson | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,556,178 |
| Salaries, Compensation, and Employee Benefits | $1,330,888 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $852,296 |
| Office Expenses | - | - | - | $197,769 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $197,285 |
| Information Technology | - | - | - | $191,852 |
| Other Employee Benefits | - | - | - | $167,180 |
| All Other Expenses | - | - | - | $101,598 |
| Other Expenses | - | - | - | $88,843 |
| Payroll Taxes | - | - | - | $84,868 |
| Occupancy | - | - | - | $69,951 |
| Depreciation Depletion | - | - | - | $68,299 |
| Fees for Services Accounting | - | - | - | $59,669 |
| Interest | - | - | - | $53,993 |
| Travel | - | - | - | $41,551 |
| Advertising | - | - | - | $41,532 |
| Pension Plan Contributions | - | - | - | $29,259 |
| Total Functional Expenses | $0 | $0 | $0 | $2,887,066 |
| 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 | $62,940,293 |
| Rounding | $1 |
“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 | 804092 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 822587 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 10894 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 1226 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Provide financial services and products to members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 41532 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 101598 |
| 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/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1166402 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1029453 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 197285 |
| 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/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 775538 |
| IRS990/CYOtherExpensesAmt | 0 | 1556178 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 3151836 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1040308 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1330888 |
| IRS990/CYTotalExpensesAmt | 0 | 2887066 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3927374 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 68299 |
| 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 12-31-2019 was 6,675. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 29 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 59669 |
| 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/AverageHoursPerWeekRt | 0 | 50.00 |
| 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 | 1.00 |
| 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/OtherCompensationAmt | 0 | 37645 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Susette Schirm |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Robert Merriman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Ronald Britt |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Kenneth Nelson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Gail Castle |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Gerald Thomas |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Donald Myers |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Dennis Danville |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Sandra Tanner |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 159640 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/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/TitleTxt | 0 | President & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| 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 | 3927374 |
| 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 | 191852 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 53993 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 775538 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 775538 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 23820367 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 19437481 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 810 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1622089 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1756367 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1756367 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| 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 | 5931426 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 7443777 |
| 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/NetUnrlzdGainsLossesInvstAmt | 0 | 472043 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 69951 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 197769 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1495710 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1549428 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 167180 |
| 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 | 283334 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 253224 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 104563 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 88843 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 60026282 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 62940294 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | ATM Surcharge Fees |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | ID Protect |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 852296 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 27572548 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 31897490 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 84868 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 29259 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 95596 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 100241 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 525990 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522220 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | ATM Surcharge Fees |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | ID Protect |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | Other Operating Income |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 542361 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1927726 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 646411 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 5369 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 542361 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 29969 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 1927726 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 646411 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5369 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 29969 |
| 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 12-31-2019 was 5,944. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 716817 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 1472461 |
| IRS990/PYOtherRevenueAmt | 0 | 35702 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2852813 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 971974 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1160897 |
| IRS990/PYTotalExpensesAmt | 0 | 2633358 |
| IRS990/PYTotalRevenueAmt | 0 | 3605332 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1040308 |
| 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 | 5931426 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 7443777 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10978194 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 15434972 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1296444 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1296444 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 132941 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 132941 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 326982 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 326982 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 62940293 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares & Deposits |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Rounding |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1756367 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 19437481 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 62940294 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 137815 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 15840 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 14360 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 23285 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 5985 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Susette Schirm |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | President & CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 197285 |
| 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/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 66761800 |
| IRS990/TotalAssetsEOYAmt | 0 | 71206658 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 66761800 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 71206658 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 29 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2887066 |
| IRS990/TotalGrossUBIAmt | 0 | 35338 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 60830374 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 63762881 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 60830374 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 63762881 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 5931426 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 7443777 |
| IRS990/TotalOtherCompensationAmt | 0 | 37645 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 3151836 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 159640 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3892036 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3927374 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 35338 |
| IRS990/TotalVolunteersCnt | 0 | 11 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 66761800 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 71206658 |
| IRS990/TravelGrp/TotalAmt | 0 | 41551 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 25155 Goddard Rd |
| IRS990/USAddress/CityNm | 0 | Taylor |
| IRS990/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/USAddress/ZIPCd | 0 | 48180 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 8 |
| IRS990/VotingMembersIndependentCnt | 0 | 8 |
| IRS990/WebsiteAddressTxt | 0 | www.tccu.us |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2020-09-23 17:36:50Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Susette Schirm |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President & CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2020-05-08 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Total Community Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | TOTA |
| ReturnHeader/Filer/EIN | 0 | 381644983 |
| ReturnHeader/Filer/PhoneNum | 0 | 3132913300 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 25155 Goddard Rd |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Taylor |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 48180 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 650152722 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | FINANCIAL STANDARDS GROUP INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 6447 W HIGHWAY 146 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | CRESTWOOD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | KY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 40014 |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.