Civic Intelligence

Credit Unions Chartered in the State of Eecu a Community Credit Union

EIN 38-1681122 • 501(c)14 • Jackson, MI

View Organization Page

Profile

A full service financial services organization serving members since 1936, providing more opportunities and financial solutions because we are owned and governed by the people who utilize our products and services.

1425 Parnall RoadJackson, MI 49201

www.micommunitycu.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 2017

Liabilities / Revenue

35th percentile

0.00x

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

501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

33rd percentile

-14%

Higher net margin than 33% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

30th percentile

$20,769

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

7th percentile

-69%

Faster revenue growth than 7% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $165,591,405 (-100%) from 2016

Liabilities

Down

$0

Down $150,681,794 (-100%) from 2016

Net Assets

Down

$0

Down $14,909,611 (-100%) from 2016

Operations
Liabilities / Revenue35th percentileNet Margin33rd percentile

Revenue

Down

$2,648,583

Down $6,034,906 (-69%) from 2016

Expenses

Down

$3,031,914

Down $4,644,063 (-61%) from 2016

Net Income

Down

-$383,331

Down $1,390,843 (-138%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$200M$150M$100M$50M$0Assets 2010: $102,398,071Liabilities 2010: $92,739,548Net Assets 2010: $9,658,5232010Assets 2011: $111,187,005Liabilities 2011: $100,491,732Net Assets 2011: $10,695,2732011Assets 2012: $117,118,869Liabilities 2012: $105,550,960Net Assets 2012: $11,567,9092012Assets 2013: $121,527,630Liabilities 2013: $109,552,094Net Assets 2013: $11,975,5362013Assets 2014: $131,603,631Liabilities 2014: $118,985,384Net Assets 2014: $12,618,2472014Assets 2015: $147,031,925Liabilities 2015: $133,145,524Net Assets 2015: $13,886,4012015Assets 2016: $165,591,405Liabilities 2016: $150,681,794Net Assets 2016: $14,909,6112016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2017

Assets$0
Liabilities$0
Net Assets$0
Open 2017 Filing

Operations Trend

Revenue Growth7th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $6,723,8012010Expenses 2011: $6,012,4592011Expenses 2012: $5,848,4992012Revenue 2013: $6,796,336Expenses 2013: $6,117,765Net Income 2013: $678,5712013Revenue 2014: $7,123,626Expenses 2014: $6,496,365Net Income 2014: $627,2612014Revenue 2015: $7,571,495Expenses 2015: $6,500,860Net Income 2015: $1,070,6352015Revenue 2016: $8,683,489Expenses 2016: $7,675,977Net Income 2016: $1,007,5122016Revenue 2017: $2,648,583Expenses 2017: $3,031,914Net Income 2017: -$383,3312017

Highlighted filing

2017

Revenue$2,648,583
Expenses$3,031,914
Net Income-$383,331
Open 2017 Filing

Filings

Most recent year

2017 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$2,648,583
Expenses
$3,031,914
Net income
-$383,331
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$2.65$3.03$0.38
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$166$151$14.9$8.68$7.68$1.01
2015Detailed filing. Detailed filing data is available for this year.$147$133$13.9$7.57$6.50$1.07
2014Summary only. Only limited summary data is available for this year.$132$119$12.6$7.12$6.50$0.63
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$122$110$12.0$6.80$6.12$0.68
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$106$11.6$5.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$100$10.7$6.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$102$92.7$9.66$6.72
Latest Detailed Filing

The latest 2017 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2016 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 5, 2017
Return Version
2016v3.0
Gross Receipts
$8,704,418
Mission and Program Overview

Mission

A full service financial services organization serving members since 1936, providing more opportunities and financial solutions because we are owned and governed by the people who utilize our products and services.

A full-service financial services organization serving members since 1936.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$116,918,733$138,090,153▲ $21,171,420
Savings and Temporary Cash Investments$20,463,080$17,182,815▼ $3,280,265
Rtn Earn Endowment Incm Other Fnds$13,886,401$14,909,611▲ $1,023,210
Land, Buildings, and Equipment, Net$2,147,751$2,283,099▲ $135,348
Prepaid Expenses and Deferred Charges$1,197,418$1,631,182▲ $433,764
Cash and Non-Interest-Bearing Accounts$1,285,945$1,006,233▼ $279,712
Accounts Receivable$3,177$2,136▼ $1,041
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$147,031,925$165,591,405▲ $18,559,480
Other Assets Total$5,015,821$5,395,787▲ $379,966
Liabilities
Other Liabilities$131,631,134$148,933,170▲ $17,302,036
Accounts Payable and Accrued Expenses$1,514,390$1,748,624▲ $234,234
Total Liabilities$133,145,524$150,681,794▲ $17,536,270
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,886,401$14,909,611▲ $1,023,210
Total Liabilities and Net Assets / Fund Balance$147,031,925$165,591,405▲ $18,559,480

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,176,502$1,317,414$2,493,916
Other Land Buildings$376,132$682,983$1,059,115
Equipment$334,880$421,170$756,050
Leasehold Improvements$177,967$76,226$254,193
Land$217,618-$217,618
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tina HamiltonFormer CEOFT$104,043$22,426$126,469
Teresa MayerInterim CEOFT$13,846-$13,846

Board Members and Trustees

NameTitle
Howard AdamsBoard Chairman
Victor MarshallBoard Chairman
Cherly MarksVice Chairman
Bob StoweBoard Member
Jessica BotkeBoard Member
Kathy EganSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,897,236
Investment Income
$231,437
Other Revenue
$554,816
Change in Net Assets
$1,007,512
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,824,617
Salaries, Compensation, and Employee Benefits$2,851,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,077,746
All Other Expenses---$674,697
Interest---$620,736
Information Technology---$497,912
Office Expenses---$382,377
Advertising---$373,771
Other Employee Benefits---$329,565
Depreciation Depletion---$329,248
Occupancy---$315,084
Other Expenses---$233,058
Payroll Taxes---$208,222
Current Officers, Directors, Trustees, and Key Employees---$135,592
Pension Plan Contributions---$100,235
Conferences and Meetings---$61,727
Fees for Services Accounting---$46,040
Insurance---$39,022
Fees for Services Legal---$25,444
Total Functional Expenses$0$0$0$7,675,977
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$144,210,510
Fhlbi Advances$4,000,000
Participation Loans$722,660
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every client that has an account with our credit union is also a member.”

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

“Members elect members of the governing body each year at the annual meeting.”

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

“Mergers are subject to member vote”

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

“The 990 is on the agenda and available to the board of directors at the first meeting following the official signing and filing of the tax return.”

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

“Employees are required to complete a disclosure form annually. Additionally, if any concerns arise or are brought to our attention we will investigate and enforce.”

Form 990, Part VI, Section B, Line 15

“Key employees' salaries are reviewed by the ceo and compared to published industry guidelines via compease software platform. The ceo's salary is reviewed and determined by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflicit of interest policy and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Michigan Community Credit Union
EIN
38-1681122
Phone
5177872060
Address
1425 PARNALL ROAD, JACKSON, MI 49201

Signing Officer

Name
Teresa Mayer
Title
Interim CEO
Phone
5177872060
Signed
2017-04-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Teresa Mayer
Formed
1936
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
73
Volunteers
6

Preparer

Firm
Rehmann Robson LLC
Address
224 E LARKIN ST STE 100, MIDLAND, MI 48640
Preparer
Jeffrey E Hert CPA
Phone
9896313131
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Miscellaneous expense 171,125. Dividends 121,782. Fees 117,958. Atm expense 102,847. Collection expense 101,675. Investment amortization 34,634. Association dues 24,676.”

Raw XML AppendixShowing 400 of 413 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01514390
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0A FULL-SERVICE FINANCIAL SERVICES ORGANIZATION SERVING MEMBERS SINCE 1936.
IRS990/AdvertisingGrp/TotalAmt0373771
IRS990/AllOtherExpensesGrp/TotalAmt0674697
IRS990/AnnualDisclosureCoveredPrsnInd01
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IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01425 W PARNALL ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0JACKSON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049201
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
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IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01285945
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IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0135592
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
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IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/DeductibleNonCashContriInd00
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IRS990/DepreciationDepletionGrp/TotalAmt0329248
IRS990/Desc0LOANS TO MEMBERS
IRS990/DescribedInSection501c3Ind00
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IRS990/FeesForServicesAccountingGrp/TotalAmt046040
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IRS990/ForeignActivitiesInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt722426
IRS990/Form990PartVIISectionAGrp/PersonNm0VICTOR MARSHALL
IRS990/Form990PartVIISectionAGrp/PersonNm1CHERLY MARKS
IRS990/Form990PartVIISectionAGrp/PersonNm2KATHY EGAN
IRS990/Form990PartVIISectionAGrp/PersonNm3JESSICA BOTKE
IRS990/Form990PartVIISectionAGrp/PersonNm4BOB STOWE
IRS990/Form990PartVIISectionAGrp/PersonNm5HOWARD ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm6TERESA MAYER
IRS990/Form990PartVIISectionAGrp/PersonNm7TINA HAMILTON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6INTERIM CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7FORMER CEO
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IRS990/OtherExpensesGrp/Desc1CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2ORIGINATION FEES
IRS990/OtherExpensesGrp/Desc3SHARE DRAFT EXPENSE
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IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc1GAIN ON SALE OF LOAN
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt294309
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1189191
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt294309
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IRS990/PartialLiquidationInd00
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06428997
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11468239
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06428997
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11468239
IRS990/ProgSrvcAccomActy2Grp/Desc0SAVINGS ACCOUNTS
IRS990/ProgSrvcAccomActy3Grp/Desc0CHECKING ACCOUNTS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0227745
IRS990/PYOtherExpensesAmt03966313
IRS990/PYOtherRevenueAmt0466655
IRS990/PYProgramServiceRevenueAmt06877095
IRS990/PYRevenuesLessExpensesAmt01070635
IRS990/PYSalariesCompEmpBnftPaidAmt02534547
IRS990/PYTotalExpensesAmt06500860
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07571495
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt01007512
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013886401
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014909611
IRS990/SavingsAndTempCashInvstGrp/BOYAmt020463080
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017182815
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01176502
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01317414
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02493916
IRS990ScheduleD/EquipmentGrp/BookValueAmt0334880
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0421170
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0756050
IRS990ScheduleD/LandGrp/BookValueAmt0217618
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0217618
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0177967
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt076226
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0254193
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0376132
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0682983
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01059115
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0144210510
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1722660
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt24000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1PARTICIPATION LOANS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2FHLBI ADVANCES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02283099
IRS990ScheduleD/TotalLiabilityAmt0148933170
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0104043
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022426
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TINA HAMILTON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0FORMER CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0126469
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0A COUNTRY CLUB MEMBERSHIP IS UTILIZED TO PROMOTE BUSINESS AND STAY CONNECTED WITH THE COMMUNITY.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EVERY CLIENT THAT HAS AN ACCOUNT WITH OUR CREDIT UNION IS ALSO A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT MEMBERS OF THE GOVERNING BODY EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE SUBJECT TO MEMBER VOTE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 990 IS ON THE AGENDA AND AVAILABLE TO THE BOARD OF DIRECTORS AT THE FIRST MEETING FOLLOWING THE OFFICIAL SIGNING AND FILING OF THE TAX RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEES ARE REQUIRED TO COMPLETE A DISCLOSURE FORM ANNUALLY. ADDITIONALLY, IF ANY CONCERNS ARISE OR ARE BROUGHT TO OUR ATTENTION WE WILL INVESTIGATE AND ENFORCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5KEY EMPLOYEES' SALARIES ARE REVIEWED BY THE CEO AND COMPARED TO PUBLISHED INDUSTRY GUIDELINES VIA COMPEASE SOFTWARE PLATFORM. THE CEO'S SALARY IS REVIEWED AND DETERMINED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS, CONFLICIT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MISCELLANEOUS EXPENSE 171,125. DIVIDENDS 121,782. FEES 117,958. ATM EXPENSE 102,847. COLLECTION EXPENSE 101,675. INVESTMENT AMORTIZATION 34,634. ASSOCIATION DUES 24,676.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 24E
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0147031925
IRS990/TotalAssetsEOYAmt0165591405
IRS990/TotalAssetsGrp/BOYAmt0147031925
IRS990/TotalAssetsGrp/EOYAmt0165591405
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt073
IRS990/TotalFunctionalExpensesGrp/TotalAmt07675977
IRS990/TotalGrossUBIAmt088064
IRS990/TotalLiabilitiesBOYAmt0133145524
IRS990/TotalLiabilitiesEOYAmt0150681794
IRS990/TotalLiabilitiesGrp/BOYAmt0133145524
IRS990/TotalLiabilitiesGrp/EOYAmt0150681794
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt013886401
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014909611
IRS990/TotalOtherCompensationAmt022426
IRS990/TotalProgramServiceRevenueAmt07897236
IRS990/TotalReportableCompFromOrgAmt0117889
IRS990/TotalRevenueGrp/ExclusionAmt0252366
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt08343059
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt08683489
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt088064
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0147031925
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0165591405
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01425 PARNALL ROAD
IRS990/USAddress/CityNm0JACKSON
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049201
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.MICOMMUNITYCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TERESA MAYER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0INTERIM CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05177872060
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MICHIGAN COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MICH
ReturnHeader/Filer/EIN0381681122
ReturnHeader/Filer/PhoneNum05177872060
ReturnHeader/Filer/USAddress/AddressLine1Txt01425 PARNALL ROAD
ReturnHeader/Filer/USAddress/CityNm0JACKSON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049201
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId01E44ACFE2053430A9F0BC6F3E0250E34F7E94AC2
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06B63B5289454C84CED47E59C1F0FDA2150384606
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.188.13.38
ReturnHeader/FilingSecurityInformation/IPDt02017-04-05
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm014:11:21
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0383567911

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