Civic Intelligence

Manistee Public Employee Credit Union

990 • Fiscal year 2013 • EIN 38-1689464

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 10, 2014

Organization ProfileN/A
237 River Street49660-1403

(231) 723-2517

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Down

$987,497

Down $13,003 (-1.3%) from 2012

Net Assets

Down

$981,508

Down $13,028 (-1.3%) from 2012

Liabilities

Up

$5,989

Up $25 (+0.4%) from 2012

Revenue And Expenses

Revenue

Down

$25,070

Down $872 (-3.4%) from 2012

Expenses

Up

$51,375

Up $717 (+1.4%) from 2012

Net Income

Down

-$26,305

Down $1,589 (-6.4%) from 2012

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.5M$1.0M$500K$0Assets 2010: $1,015,790Liabilities 2010: $6,051Net Assets 2010: $1,009,7392010Assets 2011: $1,015,403Liabilities 2011: $5,954Net Assets 2011: $1,009,4492011Assets 2012: $1,000,500Liabilities 2012: $5,964Net Assets 2012: $994,5362012Assets 2013: $987,497Liabilities 2013: $5,989Net Assets 2013: $981,5082013Assets 2014: $984,644Liabilities 2014: $6,064Net Assets 2014: $978,5802014

Highlighted filing

2013

Assets$987,497
Liabilities$5,989
Net Assets$981,508
Open 2013 Filing

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100K$50K$0-$50KExpenses 2010: $52,1522010Revenue 2011: $29,811Expenses 2011: $50,508Net Income 2011: -$20,6972011Revenue 2012: $25,942Expenses 2012: $50,658Net Income 2012: -$24,7162012Revenue 2013: $25,070Expenses 2013: $51,375Net Income 2013: -$26,3052013Revenue 2014: $19,639Expenses 2014: $48,809Net Income 2014: -$29,1702014

Highlighted filing

2013

Revenue$25,070
Expenses$51,375
Net Income-$26,305
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 10, 2014
Return Version
2013v3.1
Gross Receipts
$25,070
Mission and Program Overview

Mission

To provide financial services

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$832,057$845,333▲ $13,276
Savings and Temporary Cash Investments$601,916$633,930▲ $32,014
Other Notes and Loans Receivable, Net$345,734$292,612▼ $53,122
Rtn Earn Endowment Incm Other Fnds$162,479$136,175▼ $26,304
Receivables From Officers Etc$38,077$47,988▲ $9,911
Prepaid Expenses and Deferred Charges$4,293$4,298▲ $5
Land, Buildings, and Equipment, Net$2,832$923▼ $1,909
Total Assets$1,000,500$987,497▼ $13,003
Other Assets Total$7,648$7,746▲ $98
Liabilities
Accounts Payable and Accrued Expenses$5,964$5,989▲ $25
Total Liabilities$5,964$5,989▲ $25
Net Assets / Fund Balance
Total Net Assets Fund Balance$994,536$981,508▼ $13,028
Total Liabilities and Net Assets / Fund Balance$1,000,500$987,497▼ $13,003

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$895$43,610$44,505
Equipment$28$6,790$6,818
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Karen DalyManagerPT$18,704$18,704
Kathleen GrabowskiEmployeePT$7,049$7,049

Board Members and Trustees

NameTitle
Julie BeardsleeChairperson
Terence HareVice-Chairperson
Jack DinsenDirector
Jack GarberDirector
Paul KubackiDirector
Robert JohnsonDirector
Mary WrzesinskiSecretary-Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,153
Investment Income
$917
Other Revenue
$0
Change in Net Assets
$-26,305
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$27,924
Other Expenses$23,451
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$18,704
All Other Expenses---$11,783
Other Salaries and Wages---$7,049
Occupancy---$5,571
Payroll Taxes---$2,171
Depreciation Depletion---$1,909
Office Expenses---$1,127
Other Expenses---$818
Advertising---$43
Total Functional Expenses$0$0$0$51,375
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$38,077$47,988▲ $9,911
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

EIN
38-1689464
Phone
2317232517

Signing Officer

Name
Julie Beardslee
Title
Board of Directors Chair
Phone
2317232517
Signed
2014-04-10
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
Mi
Voting Board Members
2,500
Independent Board Members
2,500
Employees
2
Volunteers
7

Preparer

Preparer
Corey Geyman Ea
Phone
2318793864
Supplemental Narrative

Additional Explanations

Pt XII, Line 2C

“The Credit Union is audited by state examiners.”

Pt VI, Line 11B

“Board of Directors and state examiners review form 990”

Pt VI, Line 19

“All documents are available, upon request, at the business location.”

Pt VII, Col (E)

“Does not apply”

Pt VII, Col (F)

“Does not apply”

Pt VI, Line 6

“The organization has members.”

Pt VI, Line 7A

“All members elect the board of directors”

Form 990EZ, Part I, Line 16

“Advertising annual meeting loan servicing members insurance office expense payroll taxes software maintenance fee ncusif stabilization expense dues, fees & subscriptions”

Form 990EZ, Part II, Line 24

“Notes and loans receivable prepaid expenses and deferred charges investments ncusif-required reserve”

Form 990EZ, Part II, Line 26

“Accounts payable and accrued expenses capital stock, trust principal, or current funds retained earnings, accumulated income, or other funds”

Form 990, Part IX, Line 24F

“Bond insurance 4571. Fed comp 1099 processing 56. Fees 397. Member dividends 1955. Members' life savings ins premium 2635. Ncusif stabilization expense 661. Software maint. Fee 1059. Tax prep fee 450. Rounding -1.”

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Supervisory Committee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/TotalBalanceDueAmt047988
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is audited by state examiners.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board of Directors and state examiners review form 990
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All documents are available, upon request, at the business location.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Does not apply
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Does not apply
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The organization has members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6All members elect the board of directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ADVERTISING ANNUAL MEETING LOAN SERVICING MEMBERS INSURANCE OFFICE EXPENSE PAYROLL TAXES SOFTWARE MAINTENANCE FEE NCUSIF STABILIZATION EXPENSE DUES, FEES & SUBSCRIPTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8NOTES AND LOANS RECEIVABLE PREPAID EXPENSES AND DEFERRED CHARGES INVESTMENTS NCUSIF-REQUIRED RESERVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ACCOUNTS PAYABLE AND ACCRUED EXPENSES CAPITAL STOCK, TRUST PRINCIPAL, OR CURRENT FUNDS RETAINED EARNINGS, ACCUMULATED INCOME, OR OTHER FUNDS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10BOND INSURANCE 4571. FED COMP 1099 PROCESSING 56. FEES 397. MEMBER DIVIDENDS 1955. MEMBERS' LIFE SAVINGS INS PREMIUM 2635. NCUSIF STABILIZATION EXPENSE 661. SOFTWARE MAINT. FEE 1059. TAX PREP FEE 450. ROUNDING -1.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt XII, Line 2c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VII, Col (E)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VII, Col (F)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01000500
IRS990/TotalAssetsEOYAmt0987497
IRS990/TotalAssetsGrp/BOYAmt01000500
IRS990/TotalAssetsGrp/EOYAmt0987497
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt051375
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05964
IRS990/TotalLiabilitiesEOYAmt05989
IRS990/TotalLiabilitiesGrp/BOYAmt05964
IRS990/TotalLiabilitiesGrp/EOYAmt05989
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0994536
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0981508
IRS990/TotalProgramServiceRevenueAmt024153
IRS990/TotalReportableCompFromOrgAmt025753
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt025070
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt025070
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01000500
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0987497
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10237 River St
IRS990/USAddress/City0Manistee
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode0496601403
IRS990/VotingMembersGoverningBodyCnt02500
IRS990/VotingMembersIndependentCnt02500
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE BEARDSLEE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOARD OF DIRECTORS CHAIR
ReturnHeader/BusinessOfficerGrp/PhoneNum02317232517
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-10
ReturnHeader/Filer/BusinessName/BusinessNameLine10Manistee Public Employee Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MANI
ReturnHeader/Filer/EIN0381689464
ReturnHeader/Filer/PhoneNum02317232517
ReturnHeader/Filer/USAddress/AddressLine10237 River Street
ReturnHeader/Filer/USAddress/City0Manistee
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode0496601403
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Forest Area Services LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10638 Boyd St PO Box 59
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Fife Lake
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0496330059
ReturnHeader/PreparerPersonGrp/PhoneNum02318793864
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0COREY GEYMAN EA
ReturnHeader/ReturnTs02014-05-02T06:40:17-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$987,497
Liabilities
$5,989
Net assets
$981,508
Revenue
$25,070
Expenses
$51,375
Net income
-$26,305
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.98$0.01$0.98$0.02$0.05$0.03
2013Detailed filing. Detailed filing data is available for this year.$0.99$0.01$0.98$0.03$0.05$0.03
2012Summary only. Only limited summary data is available for this year.$1.00$0.01$0.99$0.03$0.05$0.02
2011Summary only. Only limited summary data is available for this year.$1.02$0.01$1.01$0.03$0.05$0.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.02$0.01$1.01$0.05
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $500k-$1M nonprofits