Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-1706265

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 02, 2016

Organization ProfileCHIPPEWACOUNTYCU.COM
402 West Spruce StreetSault Ste Marie, MI 49783

(906) 632-3134

Siviq Scores

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

Liabilities / Assets

57th percentile

0.89x

Higher debt load relative to assets than 57% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

22nd percentile

16.30x

Higher debt load relative to revenue than 22% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

16th percentile

-0.7%

Higher net margin than 16% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

99th percentile

$345,532

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 22.3% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

43rd percentile

2.2%

Faster asset growth than 43% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2015

Revenue Growth

64th percentile

3.3%

Faster revenue growth than 64% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2015

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$28,427,538

Up $1,231,178 (+4.5%) from 2013

Net Assets

Down

$3,227,494

Down $125,980 (-3.8%) from 2013

Liabilities

Up

$25,200,044

Up $1,357,158 (+5.7%) from 2013

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin16th percentile

Revenue

Up

$1,546,448

Up $95,998 (+6.6%) from 2013

Expenses

Up

$1,556,892

Up $204,498 (+15%) from 2013

Net Income

Down

-$10,444

Down $108,500 (-111%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

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

$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

2015

Assets$28,427,538
Liabilities$25,200,044
Net Assets$3,227,494
Open 2015 Filing

Operations Trend

Revenue Growth64th percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$1,546,448
Expenses$1,556,892
Net Income-$10,444
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 2, 2016
Return Version
2015v2.1
Gross Receipts
$1,546,448
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$17,222,476$18,160,060▲ $937,584
Investments Other Securities$8,083,933$6,873,523▼ $1,210,410
Land, Buildings, and Equipment, Net$348,490$1,310,530▲ $962,040
Savings and Temporary Cash Investments$1,254,482$1,075,662▼ $178,820
Cash and Non-Interest-Bearing Accounts$442,206$352,749▼ $89,457
Receivables From Officers Etc$134,962$138,222▲ $3,260
Prepaid Expenses and Deferred Charges$56,990$62,111▲ $5,121
Total Assets$27,875,233$28,427,538▲ $552,305
Other Assets Total$331,694$454,681▲ $122,987
Liabilities
Other Liabilities$24,253,993$25,004,775▲ $750,782
Accounts Payable and Accrued Expenses$355,678$195,269▼ $160,409
Total Liabilities$24,609,671$25,200,044▲ $590,373
Net Assets / Fund Balance
Unrestricted Net Assets$3,265,562$3,227,494▼ $38,068
Total Net Assets Fund Balance$3,265,562$3,227,494▼ $38,068
Total Liabilities and Net Assets / Fund Balance$27,875,233$28,427,538▲ $552,305

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,149,600$369,821-
Land$21,004--
Equipment$94,403$200,555-
Leasehold Improvements$45,523--
Other Securities$180,435--
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Connie ToensingCEOFT$71,447$274,085$345,532

Board Members and Trustees

NameTitle
R Ben JonesChairperson
Judith WalshVice Chair
Jeannie MastersonBoard Member
Roy NasonBoard Member
Thomas PinkBoard Member
Laurie GierkeSecretary
Robert EllisTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,440,754
Investment Income
$95,787
Other Revenue
$9,907
Change in Net Assets
$-10,444
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$946,994
Salaries, Compensation, and Employee Benefits$609,898
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$694,285
Other Salaries and Wages---$352,781
Other Employee Benefits---$108,847
Current Officers, Directors, Trustees, and Key Employees---$71,447
Interest---$62,070
Occupancy---$52,716
Payroll Taxes---$51,175
Fees for Services Other---$42,083
Depreciation Depletion---$35,461
Advertising---$33,654
Pension Plan Contributions---$25,648
Conferences and Meetings---$9,751
Other Expenses---$4,830
Travel---$3,577
Fees for Services Legal---$2,821
Total Functional Expenses$0$0$0$1,556,892
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$134,962$138,222▲ $3,260
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$11,087,005
Preferred Savings$4,246,088
Checking$3,845,884
Certificate of Deposit$2,786,675
Ira$1,541,205
Club$1,481,353
Accrued Interest$12,650
State Income Tax Payable$2,372
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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
Connie Toensing
Title
CEO
Phone
9066323134
Signed
2016-11-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Connie Toensing
Formed
1955
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
0
Employees
18
Volunteers
8

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Amber Mack CPA
Phone
9064955952
Raw XML AppendixShowing 400 of 523 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.

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10CREDIT CARD
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8CONNIE TOENSING
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,427,538
Liabilities
$25,200,044
Net assets
$3,227,494
Revenue
$1,546,448
Expenses
$1,556,892
Net income
-$10,444
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $25M-$50M nonprofits