Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1676999 • 501(c)14 • Lansing, MI

Profile

Provide financial services and products to members.

1901 E Michigan AvenueLansing, MI 48912

www.gabrielscu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2023

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

3rd percentile

-237%

Higher net margin than 3% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

72nd percentile

$82,238

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

46th percentile

-5.3%

Faster revenue growth than 46% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / AssetsScore unavailable

Using 2022 Form 990 data because the latest 2023 filing does not report standard financial totals.

Assets

Up

$35,016,585

Up $5,657,459 (+19%) from 2021

Liabilities

Up

$31,254,370

Up $4,801,411 (+18%) from 2021

Net Assets

Up

$3,762,215

Up $856,048 (+29%) from 2021

Operations
Liabilities / Revenue35th percentileNet Margin3rd percentile

Revenue

Up

$2,722,307

Up $882,889 (+48%) from 2021

Expenses

Up

$1,866,259

Up $483,074 (+35%) from 2021

Net Income

Up

$856,048

Up $399,815 (+88%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$40M$30M$20M$10M$0Assets 2011: $12,699,766Liabilities 2011: $11,577,135Net Assets 2011: $1,122,6312011Assets 2012: $11,997,325Liabilities 2012: $10,744,759Net Assets 2012: $1,252,5662012Assets 2013: $12,524,705Liabilities 2013: $11,141,405Net Assets 2013: $1,383,3002013Assets 2014: $15,645,973Liabilities 2014: $14,178,527Net Assets 2014: $1,467,4462014Assets 2015: $14,485,435Liabilities 2015: $12,922,206Net Assets 2015: $1,563,2292015Assets 2016: $13,811,461Liabilities 2016: $12,151,811Net Assets 2016: $1,659,6502016Assets 2017: $15,558,106Liabilities 2017: $13,739,650Net Assets 2017: $1,818,4562017Assets 2018: $17,170,589Liabilities 2018: $15,133,014Net Assets 2018: $2,037,5752018Assets 2019: $19,648,568Liabilities 2019: $17,378,635Net Assets 2019: $2,269,9332019Assets 2020: $21,140,860Liabilities 2020: $18,690,926Net Assets 2020: $2,449,9342020Assets 2021: $29,359,126Liabilities 2021: $26,452,959Net Assets 2021: $2,906,1672021Assets 2022: $35,016,585Liabilities 2022: $31,254,370Net Assets 2022: $3,762,2152022

Latest loaded filing

2022

Assets$35,016,585
Liabilities$31,254,370
Net Assets$3,762,215
Open 2022 Filing

Operations Trend

Revenue Growth46th percentile

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

$3.0M$2.0M$1.0M$0Revenue 2011: $532,396Expenses 2011: $514,612Net Income 2011: $17,7842011Expenses 2012: $587,1582012Revenue 2013: $824,833Expenses 2013: $694,099Net Income 2013: $130,7342013Revenue 2014: $874,243Expenses 2014: $790,097Net Income 2014: $84,1462014Revenue 2015: $880,501Expenses 2015: $784,718Net Income 2015: $95,7832015Revenue 2016: $933,136Expenses 2016: $836,715Net Income 2016: $96,4212016Revenue 2017: $1,146,290Expenses 2017: $987,484Net Income 2017: $158,8062017Revenue 2018: $1,298,020Expenses 2018: $1,078,901Net Income 2018: $219,1192018Revenue 2019: $1,446,276Expenses 2019: $1,213,918Net Income 2019: $232,3582019Revenue 2020: $1,409,505Expenses 2020: $1,229,504Net Income 2020: $180,0012020Revenue 2021: $1,839,418Expenses 2021: $1,383,185Net Income 2021: $456,2332021Revenue 2022: $2,722,307Expenses 2022: $1,866,259Net Income 2022: $856,0482022

Latest loaded filing

2022

Revenue$2,722,307
Expenses$1,866,259
Net Income$856,048
Open 2022 Filing

Filings

Most recent year

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

Open filing
Assets
-
Liabilities
-
Net assets
-
Revenue
-
Expenses
-
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.0$31.3$3.76$2.72$1.87$0.86
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.4$26.5$2.91$1.84$1.38$0.46
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.1$18.7$2.45$1.41$1.23$0.18
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.6$17.4$2.27$1.45$1.21$0.23
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.2$15.1$2.04$1.30$1.08$0.22
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.6$13.7$1.82$1.15$0.99$0.16
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.8$12.2$1.66$0.93$0.84$0.10
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.5$12.9$1.56$0.88$0.78$0.10
2014Detailed filing. Detailed filing data is available for this year.$15.6$14.2$1.47$0.87$0.79$0.08
2013Detailed filing. Detailed filing data is available for this year.$12.5$11.1$1.38$0.82$0.69$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.0$10.7$1.25$0.59
2011Summary only. Only limited summary data is available for this year.$12.7$11.6$1.12$0.53$0.51$0.02
Latest Detailed Filing

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

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Jul 31, 2023
Return Version
2022v5.0
Gross Receipts
$2,722,307
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$23,689,443$27,682,467▲ $3,993,024
Rtn Earn Endowment Incm Other Fnds$2,906,167$3,762,215▲ $856,048
Land, Buildings, and Equipment, Net$918,480$2,551,177▲ $1,632,697
Savings and Temporary Cash Investments$3,223,232$2,530,624▼ $692,608
Cash and Non-Interest-Bearing Accounts$293,140$1,020,233▲ $727,093
Investments Other Securities$945,800$743,825▼ $201,975
Prepaid Expenses and Deferred Charges$30,715$41,791▲ $11,076
Accounts Receivable-$0-
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$29,359,126$35,016,585▲ $5,657,459
Other Assets Total$258,316$446,468▲ $188,152
Liabilities
Other Liabilities$25,744,044$30,717,123▲ $4,973,079
Accounts Payable and Accrued Expenses$708,915$537,247▼ $171,668
Total Liabilities$26,452,959$31,254,370▲ $4,801,411
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,906,167$3,762,215▲ $856,048
Total Liabilities and Net Assets / Fund Balance$29,359,126$35,016,585▲ $5,657,459

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,102,033$273,735$2,375,768
Land$346,000-$346,000
Other Land Buildings$103,144$128,994$232,138
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Malissa RichardsonCEOFT$98,000$78,279$176,279

Board Members and Trustees

NameTitle
Ken Murdochchairperson
Loren DeYoungVice Chair
Charles DionDirector
Katie St MarieDirector
Sharon ByersSecretary Treas

Highest Paid Contractors

ContractorServicesLocationCompensation
CU AnswersCore Processor6000 28th Street, Grand Rapids, MI 49546$109,072
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,647,104
Investment Income
$75,203
Other Revenue
$0
Change in Net Assets
$856,048
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,055,857
Salaries, Compensation, and Employee Benefits$810,402
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$525,820
Interest---$246,509
Current Officers, Directors, Trustees, and Key Employees---$176,279
Office Expenses---$125,646
Information Technology---$115,300
Payroll Taxes---$63,018
Depreciation Depletion---$58,700
Occupancy---$49,117
Advertising---$47,518
Fees for Services Other---$37,010
Other Employee Benefits---$29,442
Insurance---$29,161
Fees for Services Legal---$19,906
Fees for Services Accounting---$18,473
Pension Plan Contributions---$15,843
Other Expenses---$2,978
All Other Expenses---$1,755
Travel---$377
Total Functional Expenses$0$0$0$1,866,259
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$30,717,123
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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.”

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

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

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

“Mergers are voted on by the entire membership.”

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

“Management reviews tax returns and forwards form 8879-TE to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

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

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

Form 990, Part VI, Section C, Line 19

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Gabriels Community Credit Union
EIN
38-1676999
Phone
5174840601
Address
1901 E Michigan Avenue, Lansing, MI 48912

Signing Officer

Name
Malissa Richardson
Title
CEO
Signed
2023-07-31
Discuss with paid preparer
Yes

Organization Details

Formed
1957
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
19
Volunteers
8

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Raw XML Appendix388 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/BOYAmt0708915
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0537247
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Provide financial services and products to members.
IRS990/AdvertisingGrp/TotalAmt047518
IRS990/AllOtherExpensesGrp/TotalAmt01755
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Malissa Richardson
IRS990/BooksInCareOfDetail/PhoneNum05174840601
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01901 E Michigan Avenue
IRS990/BooksInCareOfDetail/USAddress/CityNm0Lansing
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048912
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0293140
IRS990/CashNonInterestBearingGrp/EOYAmt01020233
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0176279
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0109072
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06000 28th Street
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Grand Rapids
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd049546
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CU Answers
IRS990/ContractorCompensationGrp/ServicesDesc0Core Processor
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt075203
IRS990/CYOtherExpensesAmt01055857
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02647104
IRS990/CYRevenuesLessExpensesAmt0856048
IRS990/CYSalariesCompEmpBnftPaidAmt0810402
IRS990/CYTotalExpensesAmt01866259
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02722307
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt058700
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 2,748.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt019
IRS990/EmploymentTaxReturnsFiledInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt018473
IRS990/FeesForServicesLegalGrp/TotalAmt019906
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt037010
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt035779
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0Malissa Richardson
IRS990/Form990PartVIISectionAGrp/PersonNm1CHARLES DION
IRS990/Form990PartVIISectionAGrp/PersonNm2Ken Murdoch
IRS990/Form990PartVIISectionAGrp/PersonNm3Katie St Marie
IRS990/Form990PartVIISectionAGrp/PersonNm4Loren DeYoung
IRS990/Form990PartVIISectionAGrp/PersonNm5SHARON BYERS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0140500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary Treas
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01957
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02722307
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0115300
IRS990/InsuranceGrp/TotalAmt029161
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0246509
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt075203
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt075203
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0945800
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0743825
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01174
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0402729
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0918480
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02551177
IRS990/LandBldgEquipCostOrOtherBssAmt02953906
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02906167
IRS990/NetAssetsOrFundBalancesEOYAmt03762215
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt08365
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt049117
IRS990/OfficeExpensesGrp/TotalAmt0125646
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0258316
IRS990/OtherAssetsTotalGrp/EOYAmt0446468
IRS990/OtherEmployeeBenefitsGrp/TotalAmt029442
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1ATM/Debit Card Expense
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc3Dues and Subscriptions
IRS990/OtherExpensesGrp/TotalAmt0132000
IRS990/OtherExpensesGrp/TotalAmt1108674
IRS990/OtherExpensesGrp/TotalAmt262733
IRS990/OtherExpensesGrp/TotalAmt32978
IRS990/OtherLiabilitiesGrp/BOYAmt025744044
IRS990/OtherLiabilitiesGrp/EOYAmt030717123
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0525820
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt023689443
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt027682467
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt063018
IRS990/PensionPlanContributionsGrp/TotalAmt015843
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030715
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt041791
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc1Insurance
IRS990/ProgramServiceRevenueGrp/Desc2Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc3Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc4Operating Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0420242
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1116221
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21745844
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3331650
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0429750
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt123639
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2116221
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31745844
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4331650
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt09508
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt123639
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 2,863.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt067795
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0741303
IRS990/PYProgramServiceRevenueAmt01771623
IRS990/PYRevenuesLessExpensesAmt0456233
IRS990/PYSalariesCompEmpBnftPaidAmt0641882
IRS990/PYTotalExpensesAmt01383185
IRS990/PYTotalRevenueAmt01839418
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0856048
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02906167
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03762215
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03223232
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02530624
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02102033
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0273735
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02375768
IRS990ScheduleD/LandGrp/BookValueAmt0346000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0346000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0103144
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0128994
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0232138
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030717123
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposit Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02551177
IRS990ScheduleD/TotalLiabilityAmt030717123
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt098000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount042500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09457
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt026322
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Malissa Richardson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0176279
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaws and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by the entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews tax returns and forwards form 8879-TE to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt029359126
IRS990/TotalAssetsEOYAmt035016585
IRS990/TotalAssetsGrp/BOYAmt029359126
IRS990/TotalAssetsGrp/EOYAmt035016585
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt019
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01866259
IRS990/TotalGrossUBIAmt033147
IRS990/TotalLiabilitiesBOYAmt026452959
IRS990/TotalLiabilitiesEOYAmt031254370
IRS990/TotalLiabilitiesGrp/BOYAmt026452959
IRS990/TotalLiabilitiesGrp/EOYAmt031254370
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02906167
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03762215
IRS990/TotalOtherCompensationAmt035779
IRS990/TotalProgramServiceRevenueAmt02647104
IRS990/TotalReportableCompFromOrgAmt0140500
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02689160
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02722307
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt033147
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt029359126
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt035016585
IRS990/TravelGrp/TotalAmt0377
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01901 E Michigan Avenue
IRS990/USAddress/CityNm0Lansing
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048912
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.gabrielscu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Malissa Richardson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-07-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Gabriels Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0GABR
ReturnHeader/Filer/EIN0381676999
ReturnHeader/Filer/PhoneNum05174840601
ReturnHeader/Filer/USAddress/AddressLine1Txt01901 E Michigan Avenue
ReturnHeader/Filer/USAddress/CityNm0Lansing
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048912
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Patrick Haughey
ReturnHeader/ReturnTs02023-07-31T06:27:07-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Malissa
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Richardson
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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