Civic Intelligence

Manistee Public Employee Credit Union

990 • Fiscal year 2014 • EIN 38-1689464

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 08, 2015

Organization ProfileN/A
237 River StreetManistee, MI 49660-1403

(231) 723-2517

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

46th percentile

0.01x

Higher debt load relative to assets than 46% of similar nonprofits.

2014 filings • $500k-$1M nonprofits • Source year 2014

Liabilities / Revenue

81st percentile

0.31x

Higher debt load relative to revenue than 81% of similar nonprofits.

2014 filings • $500k-$1M nonprofits • Source year 2014

Net Margin

4th percentile

-149%

Higher net margin than 4% of similar nonprofits.

2014 filings • $500k-$1M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

42nd percentile

-0.3%

Faster asset growth than 42% of similar nonprofits.

2014 filings • $500k-$1M nonprofits • Annualized from 2013 to 2014

Revenue Growth

16th percentile

-22%

Faster revenue growth than 16% of similar nonprofits.

2014 filings • $500k-$1M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$984,644

Down $2,853 (-0.3%) from 2013

Net Assets

Down

$978,580

Down $2,928 (-0.3%) from 2013

Liabilities

Up

$6,064

Up $75 (+1.3%) from 2013

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin4th percentile

Revenue

Down

$19,639

Down $5,431 (-22%) from 2013

Expenses

Down

$48,809

Down $2,566 (-5.0%) from 2013

Net Income

Down

-$29,170

Down $2,865 (-11%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

2014

Assets$984,644
Liabilities$6,064
Net Assets$978,580
Open 2014 Filing

Operations Trend

Revenue Growth16th percentile

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

2014

Revenue$19,639
Expenses$48,809
Net Income-$29,170
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 8, 2015
Return Version
2014v5.0
Gross Receipts
$19,639
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$845,333$871,574▲ $26,241
Savings and Temporary Cash Investments$633,930$719,989▲ $86,059
Other Notes and Loans Receivable, Net$292,612$216,968▼ $75,644
Rtn Earn Endowment Incm Other Fnds$136,175$107,006▼ $29,169
Receivables From Officers Etc$47,988$35,106▼ $12,882
Prepaid Expenses and Deferred Charges$4,298$4,252▼ $46
Land, Buildings, and Equipment, Net$923$450▼ $473
Total Assets$987,497$984,644▼ $2,853
Other Assets Total$7,746$7,879▲ $133
Liabilities
Accounts Payable and Accrued Expenses$5,989$6,064▲ $75
Total Liabilities$5,989$6,064▲ $75
Net Assets / Fund Balance
Total Net Assets Fund Balance$981,508$978,580▼ $2,928
Total Liabilities and Net Assets / Fund Balance$987,497$984,644▼ $2,853

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$450$44,055$44,505
Equipment-$6,818$6,818
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Karen DalyManagerPT$18,636$18,636
Kathleen GrabowskiEmployeePT$6,890$6,890

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
$18,756
Investment Income
$883
Other Revenue
$0
Change in Net Assets
$-29,170

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,639
Total Revenue per Audited Statements
$19,639
Total Revenue per Form 990
$19,639
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$27,767
Other Expenses$21,042
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---$18,636
All Other Expenses---$11,118
Other Salaries and Wages---$6,890
Occupancy---$5,442
Payroll Taxes---$2,241
Office Expenses---$1,152
Other Expenses---$666
Depreciation Depletion---$473
Advertising---$44
Total Functional Expenses$0$0$0$48,809

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$48,809
Total Expenses per Audited Statements$48,809
Total Expenses per Form 990$48,809
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$47,988$35,106▼ $12,882
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

Filer Name
Manistee Public Employee Credit Union
EIN
38-1689464
Phone
2317232517
Address
237 River Street, Manistee, MI 49660-1403

Signing Officer

Name
Julie Beardslee
Title
Board of Directors Chair
Phone
2317232517
Signed
2015-03-08
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

Firm
Forest Area Services LLC
Address
638 Boyd St PO Box 59, Fife Lake, MI 49633-0059
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 6

“The organization has members.”

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 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 4441. Fed comp 1099 processing 58. Fees 405. Member dividends 2013. Members' life savings ins premium 2525. Memorial donation 70. Software maint. Fee 1155. Tax prep fee 450. Rounding 1.”

Raw XML Appendix384 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/BOYAmt05989
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt06064
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide financial services to member owners with a common bond.
IRS990/AdvertisingGrp/TotalAmt044
IRS990/AllOtherExpensesGrp/TotalAmt011118
IRS990/BooksInCareOfDetail/PersonNm0MANISTEE PUBLIC EMPLOYEES CREDIT UN
IRS990/BooksInCareOfDetail/PhoneNum02317232517
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0237 River Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Manistee
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0496601403
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0845333
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0871574
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt018636
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0883
IRS990/CYOtherExpensesAmt021042
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt018756
IRS990/CYRevenuesLessExpensesAmt0-29170
IRS990/CYSalariesCompEmpBnftPaidAmt027767
IRS990/CYTotalExpensesAmt048809
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt019639
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0473
IRS990/Desc0TO PROVIDE QUALITY FINANCIAL SERVICES AT FAIR RATES AND TERMS TO MEET OUR MEMBERS NEEDS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt727.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt815.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0JULIE BEARDSLEE
IRS990/Form990PartVIISectionAGrp/PersonNm1JACK DINSEN
IRS990/Form990PartVIISectionAGrp/PersonNm2MARY WRZESINSKI
IRS990/Form990PartVIISectionAGrp/PersonNm3JACK GARBER
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL KUBACKI
IRS990/Form990PartVIISectionAGrp/PersonNm5TERENCE HARE
IRS990/Form990PartVIISectionAGrp/PersonNm6ROBERT JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm7KAREN DALY
IRS990/Form990PartVIISectionAGrp/PersonNm8KATHLEEN GRABOWSKI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt718636
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt86890
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary-Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice-Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt8Employee
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01961
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt02500
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt019639
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt02500
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0883
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt050873
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0923
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0450
IRS990/LandBldgEquipCostOrOtherBssAmt051323
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide financial services
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0981508
IRS990/NetAssetsOrFundBalancesEOYAmt0978580
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt05442
IRS990/OfficeExpensesGrp/TotalAmt01152
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07746
IRS990/OtherAssetsTotalGrp/EOYAmt07879
IRS990/OtherChangesInNetAssetsAmt012965
IRS990/OtherExpensesGrp/Desc0Associates Dues
IRS990/OtherExpensesGrp/Desc1Supervisory/Exam Fees
IRS990/OtherExpensesGrp/Desc2Annual Meeting
IRS990/OtherExpensesGrp/Desc3Loan Servicing
IRS990/OtherExpensesGrp/TotalAmt090
IRS990/OtherExpensesGrp/TotalAmt11517
IRS990/OtherExpensesGrp/TotalAmt2540
IRS990/OtherExpensesGrp/TotalAmt3666
IRS990/OtherSalariesAndWagesGrp/TotalAmt06890
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0292612
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0216968
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt02241
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04298
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04252
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Julie Beardslee
IRS990/PriorPeriodAdjustmentsAmt013277
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0999999
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees for Services
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018028
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1728
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0917
IRS990/PYOtherExpensesAmt023451
IRS990/PYProgramServiceRevenueAmt024153
IRS990/PYRevenuesLessExpensesAmt0-26305
IRS990/PYSalariesCompEmpBnftPaidAmt027924
IRS990/PYTotalExpensesAmt051375
IRS990/PYTotalRevenueAmt025070
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt047988
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt035106
IRS990/ReconcilationRevenueExpnssAmt0-29170
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0136175
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0107006
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0633930
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0719989
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0450
IRS990ScheduleD/BuildingsGrp/DepreciationAmt044055
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt044505
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06818
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06818
IRS990ScheduleD/ExpensesSubtotalAmt048809
IRS990ScheduleD/RevenueSubtotalAmt019639
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0450
IRS990ScheduleD/TotalExpensesPerForm990Amt048809
IRS990ScheduleD/TotalRevenuePerForm990Amt019639
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt019639
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt048809
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt010617
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11506
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt220391
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3259
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4509
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt51824
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt023000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt13498
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt225247
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt31496
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt41200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt53500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JACK DINSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOHN GARBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JULIE BEARDSLEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3ANNE BUDDE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JANE ZWIEFKA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5LOUISE HAIK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Supervisory Comm
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Suprvisory Committee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Supervisory Comm
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt035106
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is audited by state examiners.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The organization has members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Board of Directors and state examiners review form 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All documents are available, upon request,at the business location.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All members elect the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ADVERTISING ANNUAL MEETING LOAN SERVICING MEMBERS INSURANCE OFFICE EXPENSE PAYROLL TAXES SOFTWARE MAINTENANCE FEE NCUSIF STABILIZATION EXPENSE DUES, FEES & SUBSCRIPTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NOTES AND LOANS RECEIVABLE PREPAID EXPENSES AND DEFERRED CHARGES INVESTMENTS NCUSIF-REQUIRED RESERVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ACCOUNTS PAYABLE AND ACCRUED EXPENSES CAPITAL STOCK, TRUST PRINCIPAL, OR CURRENT FUNDS RETAINED EARNINGS, ACCUMULATED INCOME, OR OTHER FUNDS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BOND INSURANCE 4441. FED COMP 1099 PROCESSING 58. FEES 405. MEMBER DIVIDENDS 2013. MEMBERS' LIFE SAVINGS INS PREMIUM 2525. MEMORIAL DONATION 70. SOFTWARE MAINT. FEE 1155. TAX PREP FEE 450. ROUNDING 1.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt XII, Line 2c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0987497
IRS990/TotalAssetsEOYAmt0984644
IRS990/TotalAssetsGrp/BOYAmt0987497
IRS990/TotalAssetsGrp/EOYAmt0984644
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt048809
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05989
IRS990/TotalLiabilitiesEOYAmt06064
IRS990/TotalLiabilitiesGrp/BOYAmt05989
IRS990/TotalLiabilitiesGrp/EOYAmt06064
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0981508
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0978580
IRS990/TotalProgramServiceRevenueAmt018756
IRS990/TotalReportableCompFromOrgAmt025526
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt019639
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt019639
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0987497
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0984644
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0237 River St
IRS990/USAddress/CityNm0Manistee
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd0496601403
IRS990/VotingMembersGoverningBodyCnt02500
IRS990/VotingMembersIndependentCnt02500
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE BEARDSLEE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOARD OF DIRECTORS CHAIR
ReturnHeader/BusinessOfficerGrp/PhoneNum02317232517
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Manistee Public Employee Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MANI
ReturnHeader/Filer/EIN0381689464
ReturnHeader/Filer/PhoneNum02317232517
ReturnHeader/Filer/USAddress/AddressLine1Txt0237 River Street
ReturnHeader/Filer/USAddress/CityNm0Manistee
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd0496601403
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Forest Area Services LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0638 Boyd St PO Box 59
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Fife Lake
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0496330059
ReturnHeader/PreparerPersonGrp/PhoneNum02318793864
ReturnHeader/PreparerPersonGrp/PreparationDt02015-04-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0COREY GEYMAN EA
ReturnHeader/ReturnTs02015-04-06T06:44:21-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$984,644
Liabilities
$6,064
Net assets
$978,580
Revenue
$19,639
Expenses
$48,809
Net income
-$29,170
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
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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