Civic Intelligence

Chippewa County Credit Union

EIN 38-1706265 • 501(c)14 • Sault Ste Marie, MI

Profile

Michigan chartered credit union furnishing cooperative financial services to members as provided by public act 285

402 West Spruce StreetSault Ste Marie, MI 49783

chippewacountycu.com

Siviq Scores

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

Liabilities / Assets

66th percentile

0.90x

Higher debt load relative to assets than 66% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

58th percentile

18.67x

Higher debt load relative to revenue than 58% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Net Margin

44th percentile

8.0%

Higher net margin than 44% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

54th percentile

0.3%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

31st percentile

2.3%

Faster revenue growth than 31% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets66th percentile

Assets

Down

$0

Down $38,175,294 (-100%) from 2022

Liabilities

Down

$0

Down $34,343,795 (-100%) from 2022

Net Assets

Down

$0

Down $3,831,499 (-100%) from 2022

Operations
Liabilities / Revenue58th percentileNet Margin44th percentile

Revenue

Up

$2,107,665

Up $268,434 (+15%) from 2022

Expenses

Up

$1,825,437

Up $133,400 (+7.9%) from 2022

Net Income

Up

$282,228

Up $135,034 (+92%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$40M$30M$20M$10M$0Assets 2010: $22,637,169Liabilities 2010: $19,716,042Net Assets 2010: $2,921,1272010Assets 2011: $24,499,191Liabilities 2011: $21,538,483Net Assets 2011: $2,960,7082011Assets 2012: $25,481,173Liabilities 2012: $22,458,273Net Assets 2012: $3,022,9002012Assets 2013: $27,196,360Liabilities 2013: $23,842,886Net Assets 2013: $3,353,4742013Assets 2015: $28,427,538Liabilities 2015: $25,200,044Net Assets 2015: $3,227,4942015Assets 2016: $29,477,628Liabilities 2016: $26,546,556Net Assets 2016: $2,931,0722016Assets 2017: $27,430,399Liabilities 2017: $24,512,506Net Assets 2017: $2,917,8932017Assets 2018: $27,444,991Liabilities 2018: $24,357,396Net Assets 2018: $3,087,5952018Assets 2019: $28,468,897Liabilities 2019: $25,196,213Net Assets 2019: $3,272,6842019Assets 2020: $33,778,426Liabilities 2020: $30,327,431Net Assets 2020: $3,450,9952020Assets 2021: $38,046,639Liabilities 2021: $34,362,334Net Assets 2021: $3,684,3052021Assets 2022: $38,175,294Liabilities 2022: $34,343,795Net Assets 2022: $3,831,4992022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2023

Assets$0
Liabilities$0
Net Assets$0
Open 2023 Filing

Operations Trend

Revenue Growth31st percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,302,4362010Expenses 2011: $1,256,3152011Expenses 2012: $1,284,9572012Revenue 2013: $1,450,450Expenses 2013: $1,352,394Net Income 2013: $98,0562013Revenue 2015: $1,546,448Expenses 2015: $1,556,892Net Income 2015: -$10,4442015Revenue 2016: $1,477,495Expenses 2016: $1,725,062Net Income 2016: -$247,5672016Revenue 2017: $1,548,227Expenses 2017: $1,542,504Net Income 2017: $5,7232017Revenue 2018: $1,605,671Expenses 2018: $1,435,969Net Income 2018: $169,7022018Revenue 2019: $1,697,172Expenses 2019: $1,512,083Net Income 2019: $185,0892019Revenue 2020: $1,727,935Expenses 2020: $1,549,624Net Income 2020: $178,3112020Revenue 2021: $1,798,174Expenses 2021: $1,564,869Net Income 2021: $233,3052021Revenue 2022: $1,839,231Expenses 2022: $1,692,037Net Income 2022: $147,1942022Revenue 2023: $2,107,665Expenses 2023: $1,825,437Net Income 2023: $282,2282023

Highlighted filing

2023

Revenue$2,107,665
Expenses$1,825,437
Net Income$282,228
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$2,107,665
Expenses
$1,825,437
Net income
$282,228
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.11$1.83$0.28
2022Detailed filing. Detailed filing data is available for this year.$38.2$34.3$3.83$1.84$1.69$0.15
2021Detailed filing. Detailed filing data is available for this year.$38.0$34.4$3.68$1.80$1.56$0.23
2020Detailed filing. Detailed filing data is available for this year.$33.8$30.3$3.45$1.73$1.55$0.18
2019Detailed filing. Detailed filing data is available for this year.$28.5$25.2$3.27$1.70$1.51$0.19
2018Detailed filing. Detailed filing data is available for this year.$27.4$24.4$3.09$1.61$1.44$0.17
2017Detailed filing. Detailed filing data is available for this year.$27.4$24.5$2.92$1.55$1.54$0.01
2016Detailed filing. Detailed filing data is available for this year.$29.5$26.5$2.93$1.48$1.73$0.25
2015Detailed filing. Detailed filing data is available for this year.$28.4$25.2$3.23$1.55$1.56$0.01
2013Detailed filing. Detailed filing data is available for this year.$27.2$23.8$3.35$1.45$1.35$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.5$22.5$3.02$1.28
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.5$21.5$2.96$1.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$19.7$2.92$1.30
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 8, 2024
Return Version
2023v5.0
Gross Receipts
$2,107,665
Mission and Program Overview

Mission

Michigan chartered credit union furnishing cooperative financial services to members as provided by public act 285

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$18,111,609--
Investments Other Securities$17,931,109--
Land, Buildings, and Equipment, Net$879,237--
Cash and Non-Interest-Bearing Accounts$301,292--
Prepaid Expenses and Deferred Charges$123,504--
Receivables From Officers Etc$77,054--
Savings and Temporary Cash Investments$38,841--
Total Assets$38,175,294$0▼ $38,175,294
Other Assets Total$712,648--
Liabilities
Other Liabilities$34,131,533--
Accounts Payable and Accrued Expenses$212,262--
Total Liabilities$34,343,795$0▼ $34,343,795
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,831,499--
Total Net Assets Fund Balance$3,831,499$0▼ $3,831,499
Total Liabilities and Net Assets / Fund Balance$38,175,294$0▼ $38,175,294
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Connie ToensingCEOFT$99,466$4,973$104,439
Bradley BisdorfCOOFT$67,233$3,362$70,595

Board Members and Trustees

NameTitle
Tom LuomaBoard Presid
Joseph NolanDirector
Roy NasonDirector
Suzette OlsonDirector
Thomas PinkSecretary
Jeannie MastersonTreasurer
Judith WalshVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$33,522
Program Service Revenue
$1,746,630
Investment Income
$320,302
Other Revenue
$7,211
Change in Net Assets
$282,228
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,153,425
Salaries, Compensation, and Employee Benefits$672,012
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$446,716
Other Salaries and Wages---$364,748
Fees for Services Other---$229,898
Current Officers, Directors, Trustees, and Key Employees---$166,699
Depreciation Depletion---$93,295
Interest---$82,579
Other Employee Benefits---$74,489
Occupancy---$53,890
Payroll Taxes---$48,010
Advertising---$33,434
Conferences and Meetings---$25,322
Pension Plan Contributions---$18,066
Other Expenses---$7,977
Insurance---$5,790
Fees for Services Legal---$698
All Other Expenses---$-37,267
Total Functional Expenses$0$0$0$1,825,437
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 Officers, Directors, Trustees, and Key Employees$77,054--
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
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, Page 6, Part VI, Line 6

“ORGANIZED WITH MEMBERS.”

Form 990, Page 6, Part VI, Line 7A

“Members are nominated and voted on at the annual meeting.”

Form 990, Page 6, Part VI, Line 7B

“Organization name change is subject to approval.”

Form 990, Page 6, Part VI, Line 11B

“Ceo reviews 990 prior to filing.”

Form 990, Page 6, Part VI, Line 19

“Financials are posted in the lobby of all offices and handed out upon request.”

Filing and Contact Details

Filer

Filer Name
Chippewa County Credit Union
EIN
38-1706265
Phone
9066323134
Address
402 WEST SPRUCE STREET, SAULT STE MARIE, MI 49783

Signing Officer

Name
Bradley Bisdorf
Title
COO
Phone
9066323134
Signed
2024-11-08

Organization Details

Principal Officer
Bradley Bisdorf
Formed
1955
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
2
Employees
21
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Outside auditors 19,839 0 0 data processing 171,695 0 0 consulting 7,200 0 0 outside service 31,164 0 0 total 229,898 0 0”

Form 990, Part XI, Line 9

“MERGER -4,113,727”

Raw XML Appendix335 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/BOYAmt0212262
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0MICHIGAN CHARTERED CREDIT UNION FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285
IRS990/AdvertisingGrp/TotalAmt033434
IRS990/AllOtherExpensesGrp/TotalAmt0-37267
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHIPPEWA COUNTY CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum09066323134
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0402 W SPRUCE ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0SAULT STE MARIE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049783
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0301292
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0166699
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt025322
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractTerminationInd0X
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt033522
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0320302
IRS990/CYOtherExpensesAmt01153425
IRS990/CYOtherRevenueAmt07211
IRS990/CYProgramServiceRevenueAmt01746630
IRS990/CYRevenuesLessExpensesAmt0282228
IRS990/CYSalariesCompEmpBnftPaidAmt0672012
IRS990/CYTotalExpensesAmt01825437
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02107665
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt093295
IRS990/Desc0MICHIGAN CHARTERED CREDIT UNION (STATE CHARTERED) FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt021
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesLegalGrp/TotalAmt0698
IRS990/FeesForServicesOtherGrp/TotalAmt0229898
IRS990/FinalReturnInd0X
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt04973
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt13362
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0CONNIE TOENSING
IRS990/Form990PartVIISectionAGrp/PersonNm1BRADLEY BISDORF
IRS990/Form990PartVIISectionAGrp/PersonNm2TOM LUOMA
IRS990/Form990PartVIISectionAGrp/PersonNm3JEANNIE MASTERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4ROY NASON
IRS990/Form990PartVIISectionAGrp/PersonNm5JOSEPH NOLAN
IRS990/Form990PartVIISectionAGrp/PersonNm6SUZETTE OLSON
IRS990/Form990PartVIISectionAGrp/PersonNm7THOMAS PINK
IRS990/Form990PartVIISectionAGrp/PersonNm8JUDITH WALSH
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt099466
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt167233
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
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/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1COO
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD PRESID
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE PRESIDE
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt033522
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02107665
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt05790
IRS990/InterestGrp/TotalAmt082579
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0320302
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0320302
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt017931109
IRS990/IRPDocumentCnt07
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0879237
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0MICHIGAN CHARTERED CREDIT UNION FURNISHING COOPERATIVE FINANCIAL SERVICES TO MEMBERS AS PROVIDED BY PUBLIC ACT 285
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03831499
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt03831499
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt053890
IRS990/OfficeExpensesGrp/TotalAmt0446716
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0712648
IRS990/OtherChangesInNetAssetsAmt0-4113727
IRS990/OtherEmployeeBenefitsGrp/TotalAmt074489
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3LEAGUE DUES
IRS990/OtherExpensesGrp/TotalAmt0136166
IRS990/OtherExpensesGrp/TotalAmt161740
IRS990/OtherExpensesGrp/TotalAmt213187
IRS990/OtherExpensesGrp/TotalAmt37977
IRS990/OtherLiabilitiesGrp/BOYAmt034131533
IRS990/OtherOrganizationDsc0COOPERATIVE
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0SALES OF NON-LOAN INSURANCE
IRS990/OtherRevenueMiscGrp/Desc1NON MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc2CU CARD SERVICES DIVIDEND
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04860
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11847
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2504
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt04860
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt11847
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt2504
IRS990/OtherRevenueTotalAmt07211
IRS990/OtherSalariesAndWagesGrp/TotalAmt0364748
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt018111609
IRS990/PartialLiquidationInd0true
IRS990/PayrollTaxesGrp/TotalAmt048010
IRS990/PensionPlanContributionsGrp/TotalAmt018066
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0123504
IRS990/PrincipalOfficerNm0BRADLEY BISDORF
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEES
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01093797
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1351239
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2301594
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01093797
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1351239
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2301594
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0206804
IRS990/PYOtherExpensesAmt01031885
IRS990/PYOtherRevenueAmt09355
IRS990/PYProgramServiceRevenueAmt01623072
IRS990/PYRevenuesLessExpensesAmt0147194
IRS990/PYSalariesCompEmpBnftPaidAmt0660152
IRS990/PYTotalExpensesAmt01692037
IRS990/PYTotalRevenueAmt01839231
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt077054
IRS990/ReconcilationRevenueExpnssAmt0282228
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt038841
IRS990/ScheduleBRequiredInd0false
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleN/DirectorOfSuccessor2Ind0false
IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0MERGER
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02024-01-01
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0381735283
IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt04170875
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0ANALYSIS
IRS990ScheduleN/DispositionOfAssetsDetail/PersonNm0UP STATE CREDIT UNION
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt0123 S LINCOLN RD
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0ESCANABA
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0MI
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd049829
IRS990ScheduleN/EmployeeOfSuccessor2Ind0false
IRS990ScheduleN/OwnerOfSuccessor2Ind0false
IRS990ScheduleN/ReceiveCompensation2Ind0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZED WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ARE NOMINATED AND VOTED ON AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ORGANIZATION NAME CHANGE IS SUBJECT TO APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO REVIEWS 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FINANCIALS ARE POSTED IN THE LOBBY OF ALL OFFICES AND HANDED OUT UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OUTSIDE AUDITORS 19,839 0 0 DATA PROCESSING 171,695 0 0 CONSULTING 7,200 0 0 OUTSIDE SERVICE 31,164 0 0 TOTAL 229,898 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MERGER -4,113,727
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt038175294
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt038175294
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt033522
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01825437
IRS990/TotalGrossUBIAmt07211
IRS990/TotalLiabilitiesBOYAmt034343795
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt034343795
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03831499
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt08335
IRS990/TotalProgramServiceRevenueAmt01746630
IRS990/TotalReportableCompFromOrgAmt0166699
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02066932
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02107665
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt07211
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt038175294
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt02
IRS990/WebsiteAddressTxt0CHIPPEWACOUNTYCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BRADLEY BISDORF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0COO
ReturnHeader/BusinessOfficerGrp/PhoneNum09066323134
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHIPPEWA COUNTY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CHIP
ReturnHeader/Filer/EIN0381706265
ReturnHeader/Filer/PhoneNum09066323134
ReturnHeader/Filer/USAddress/AddressLine1Txt0402 WEST SPRUCE STREET
ReturnHeader/Filer/USAddress/CityNm0SAULT STE MARIE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049783
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/ReturnTs02024-11-14T14:36:32-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.