Liabilities / Assets
94th percentile
Higher debt load relative to assets than 94% of similar nonprofits.
EIN 38-1706836
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
94th percentile
Higher debt load relative to assets than 94% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on the latest valid filing.
Top Officer Pay
Score unavailable
No filing with officer or executive compensation is available for this organization yet.
Asset Growth
45th percentile
Faster asset growth than 45% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Up$22,114,951
Up $577,971 (+2.7%) from 2011
Liabilities
Up$20,610,193
Up $535,181 (+2.7%) from 2011
Net Assets
Up$1,504,758
Up $42,790 (+2.9%) from 2011
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$1,093,606
Down $339,826 (-24%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Most recent year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
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/AccountantCompileOrReview | 0 | false |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 80599 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 592627 |
| IRS990/AccountsReceivable/EOY | 0 | 0 |
| IRS990/ActivitiesConductedPartnership | 0 | false |
| IRS990/Activity2/Description | 0 | The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2012 was 1,594. |
| IRS990/ActivityOrMissionDescription | 0 | Provide financial services and products to members. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | PO Box 361 |
| IRS990/AddressPrincipalOfficerUS/City | 0 | Owosso |
| IRS990/AddressPrincipalOfficerUS/State | 0 | MI |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 48867 |
| IRS990/Advertising/Total | 0 | 20333 |
| IRS990/AllAffiliatesIncluded | 0 | false |
| IRS990/AllOtherExpenses/Total | 0 | 26584 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | false |
| IRS990/AuditCommittee | 0 | true |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsToMembers/Total | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | false |
| IRS990/BsnssRltnshpWithOrganization | 0 | false |
| IRS990/CashNonInterestBearing/BOY | 0 | 625584 |
| IRS990/CashNonInterestBearing/EOY | 0 | 874509 |
| IRS990/ChangesToOrganizingDocs | 0 | false |
| IRS990/CollectionsOfArt | 0 | false |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 60302 |
| IRS990/CompDisqualPersons/Total | 0 | 0 |
| IRS990/CompensationFromOtherSources | 0 | false |
| IRS990/CompensationProcessCEO | 0 | true |
| IRS990/CompensationProcessOther | 0 | true |
| IRS990/ComplianceWithBackupWitholding | 0 | true |
| IRS990/ConferencesMeetings/Total | 0 | 0 |
| IRS990/ConflictOfInterestPolicy | 0 | false |
| IRS990/ConservationEasements | 0 | false |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | false |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | false |
| IRS990/DecisionsSubjectToApproval | 0 | true |
| IRS990/DeductibleContributionsOfArt | 0 | false |
| IRS990/DeductibleNonCashContributions | 0 | false |
| IRS990/DelegationOfManagementDuties | 0 | false |
| IRS990/DepreciationDepletion/Total | 0 | 44478 |
| IRS990/DescribedIn501C3 | 0 | false |
| IRS990/Description | 0 | The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2012 was 5,228. |
| IRS990/DisregardedEntity | 0 | false |
| IRS990/DistributionToDonor | 0 | false |
| IRS990/DocumentRetentionPolicy | 0 | true |
| IRS990/DonorAdvisedFunds | 0 | false |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | true |
| IRS990/EmploymentTaxReturnsFiled | 0 | true |
| IRS990/EscrowAccount | 0 | false |
| IRS990/ExcessBenefitTransaction | 0 | false |
| IRS990/ExcessBusinessHoldings | 0 | false |
| IRS990/FamilyOrBusinessRelationship | 0 | false |
| IRS990/FederalGrantAuditRequired | 0 | false |
| IRS990/FeesForServicesAccounting/Total | 0 | 20921 |
| IRS990/FeesForServicesInvstMgmntFees/Total | 0 | 0 |
| IRS990/FeesForServicesLegal/Total | 0 | 4285 |
| IRS990/FeesForServicesLobbying/Total | 0 | 0 |
| IRS990/FeesForServicesManagement/Total | 0 | 0 |
| IRS990/FeesForServicesOther/Total | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/Total | 0 | 0 |
| IRS990/FiledLieu1041 | 0 | false |
| IRS990/ForeignActivities | 0 | false |
| IRS990/ForeignFinancialAccount | 0 | false |
| IRS990/ForeignGrants/Total | 0 | 0 |
| IRS990/ForeignOffice | 0 | false |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 9 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 0 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 1 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 2 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 3 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 4 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 5 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 6 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 7 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 8 | 0.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated | 9 | 0.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 7 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 8 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | Albert Newton |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | Florence Andre |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | Sharon Hansen |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | Richard Irland |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | Ed Brush |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | William Brown |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | David Mogg |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | Pam Starkweather |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | Marla Sprague |
| IRS990/Form990PartVIISectionA/NamePerson | 9 | Angela Ruzinsky |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 7 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 8 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 9 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 9 | 60302 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 9 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | Director |
| IRS990/Form990PartVIISectionA/Title | 1 | Director |
| IRS990/Form990PartVIISectionA/Title | 2 | Secretary |
| IRS990/Form990PartVIISectionA/Title | 3 | Director |
| IRS990/Form990PartVIISectionA/Title | 4 | Director |
| IRS990/Form990PartVIISectionA/Title | 5 | Director |
| IRS990/Form990PartVIISectionA/Title | 6 | Treasurer |
| IRS990/Form990PartVIISectionA/Title | 7 | V. Chairperson |
| IRS990/Form990PartVIISectionA/Title | 8 | Chairperson |
| IRS990/Form990PartVIISectionA/Title | 9 | CEO |
| IRS990/Form990ProvidedToGoverningBody | 0 | false |
| IRS990/FormersListed | 0 | false |
| IRS990/FSAudited | 0 | true |
| IRS990/FSAuditedBasis/FinancialStatementSeparate | 0 | X |
| IRS990/FundraisingActivities | 0 | false |
| IRS990/Gaming | 0 | false |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsToDomesticIndividuals/Total | 0 | 0 |
| IRS990/GrantsToDomesticOrgs/Total | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | false |
| IRS990/GrantsToOrganizations | 0 | false |
| IRS990/GrantToRelatedPerson | 0 | false |
| IRS990/GrossReceipts | 0 | 1136396 |
| IRS990/GroupReturnForAffiliates | 0 | false |
| IRS990/Hospital | 0 | false |
| IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | false |
| IRS990/IndoorTanningServices | 0 | false |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InformationTechnology/Total | 0 | 124024 |
| IRS990/Insurance/Total | 0 | 23771 |
| IRS990/IntangibleAssets/EOY | 0 | 0 |
| IRS990/Interest/Total | 0 | 39632 |
| IRS990/InventoriesForSaleOrUse/EOY | 0 | 0 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 220447 |
| IRS990/InvestmentIncomePriorYear | 0 | 245152 |
| IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome | 0 | 220447 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 220447 |
| IRS990/InvestmentInJointVenture | 0 | false |
| IRS990/InvestmentsOtherSecurities/BOY | 0 | 7635600 |
| IRS990/InvestmentsOtherSecurities/EOY | 0 | 7492600 |
| IRS990/InvestmentsProgramRelated/EOY | 0 | 0 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 0 |
| IRS990/InvestTaxExemptBonds | 0 | false |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 499597 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 1566119 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 1071846 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 1066522 |
| IRS990/LicensedMoreThanOneState | 0 | false |
| IRS990/LoanToOfficerOrDQP | 0 | true |
| IRS990/LobbyingActivities | 0 | false |
| IRS990/LocalChapters | 0 | false |
| IRS990/MaterialDiversionOrMisuse | 0 | false |
| IRS990/MembersOrStockholders | 0 | true |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | true |
| IRS990/MinutesOfGoverningBody | 0 | true |
| IRS990/MissionDescription | 0 | Provide financial services and products to members. |
| IRS990/MoreThan5000KToIndividuals | 0 | false |
| IRS990/MoreThan5000KToOrganizations | 0 | false |
| IRS990/NameOfPrincipalOfficerPerson | 0 | Angela Ruzinsky |
| IRS990/NbrIndependentVotingMembers | 0 | 9 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 9 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 9 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 1461968 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 1504758 |
| IRS990/NetGainOrLossInvestments/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeFromGaming/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeOrLoss/TotalRevenueColumn | 0 | 0 |
| IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn | 0 | 0 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 1002 |
| IRS990/NonDeductibleContributions | 0 | false |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 346 |
| IRS990/NumberIndependentVotingMembers | 0 | 9 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 20 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/Total | 0 | 57862 |
| IRS990/OfficeExpenses/Total | 0 | 128568 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | false |
| IRS990/OfficerMailingAddress | 0 | false |
| IRS990/OnBehalfOfIssuer | 0 | false |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 345371 |
| IRS990/OtherAssetsTotal/EOY | 0 | 354229 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 29838 |
| IRS990/OtherExpensePriorYear | 0 | 1018429 |
| IRS990/OtherExpensesCurrentYear | 0 | 701074 |
| IRS990/OtherExpenses/Description | 0 | Loss on Sale of Asset |
| IRS990/OtherExpenses/Description | 1 | NCUA Stabilization Expense |
| IRS990/OtherExpenses/Description | 2 | Loan Servicing Expenses |
| IRS990/OtherExpenses/Description | 3 | ATM Expense |
| IRS990/OtherExpenses/Total | 0 | 20520 |
| IRS990/OtherExpenses/Total | 1 | 25579 |
| IRS990/OtherExpenses/Total | 2 | 72538 |
| IRS990/OtherExpenses/Total | 3 | 91979 |
| IRS990/OtherLiabilities/BOY | 0 | 19994413 |
| IRS990/OtherLiabilities/EOY | 0 | 20017566 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 9122558 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 9297496 |
| IRS990/OtherRevenueCurrentYear | 0 | 9774 |
| IRS990/OtherRevenueMisc/BusinessCode | 0 | 524298 |
| IRS990/OtherRevenueMisc/Description | 0 | Insurance Handling Fees |
| IRS990/OtherRevenueMisc/TotalRevenueColumn | 0 | 9774 |
| IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue | 0 | 9774 |
| IRS990/OtherRevenuePriorYear | 0 | 17628 |
| IRS990/OtherSalariesAndWages/Total | 0 | 259565 |
| IRS990/PartialLiquidation | 0 | false |
| IRS990/PaymentsToAffiliates/Total | 0 | 0 |
| IRS990/PayrollTaxes/Total | 0 | 29533 |
| IRS990/PensionPlanContributions/Total | 0 | 13294 |
| IRS990/PledgesAndGrantsReceivable/EOY | 0 | 0 |
| IRS990/PoliticalActivities | 0 | false |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 47958 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 48970 |
| IRS990/PriorExcessBenefitTransaction | 0 | false |
| IRS990/ProfessionalFundraising | 0 | false |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 2 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 3 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 4 | 522100 |
| IRS990/ProgramServiceRevenueCY | 0 | 906175 |
| IRS990/ProgramServiceRevenue/Description | 0 | VISA Interchange Income |
| IRS990/ProgramServiceRevenue/Description | 1 | Share Draft Income |
| IRS990/ProgramServiceRevenue/Description | 2 | Other Program Revenue |
| IRS990/ProgramServiceRevenue/Description | 3 | Interest on Loans |
| IRS990/ProgramServiceRevenue/Description | 4 | ATM Income |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 989984 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 27713 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 193496 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 2 | 19058 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 3 | 516980 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 4 | 135803 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 27713 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 193496 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 19058 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 3 | 516980 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 4 | 135803 |
| IRS990/ProhibitedTaxShelterTrans | 0 | false |
| IRS990/ReceivablesFromDisqualPersons/EOY | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtc/EOY | 0 | 0 |
| IRS990/ReconcilationRevenueExpenses | 0 | 42790 |
| IRS990/RegularMonitoringEnforcement | 0 | false |
| IRS990/RelatedEntity | 0 | false |
| IRS990/RelatedOrgControlledEntity | 0 | false |
| IRS990/ReportFin48Footnote | 0 | false |
| IRS990/ReportInvestOthSecurities | 0 | true |
| IRS990/ReportLandBldgEquip | 0 | true |
| IRS990/ReportOtherAssets | 0 | false |
| IRS990/ReportOtherLiabilities | 0 | true |
| IRS990/ReportProgRelInvest | 0 | false |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 1461968 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 1504758 |
| IRS990/RevenuesLessExpensesCY | 0 | 42790 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | -180668 |
| IRS990/RoyaltiesRevenue/TotalRevenueColumn | 0 | 0 |
| IRS990/Royalties/Total | 0 | 0 |
| IRS990/SalariesEtcCurrentYear | 0 | 392532 |
| IRS990/SalariesEtcPriorYear | 0 | 415003 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 2688063 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 2980625 |
| IRS990/ScheduleBRequired | 0 | false |
| IRS990ScheduleD/Buildings/BookValue | 0 | 719550 |
| IRS990ScheduleD/Buildings/Depreciation | 0 | 226331 |
| IRS990ScheduleD/Buildings/OtherCostOrOtherBasis | 0 | 945881 |
| IRS990ScheduleD/Equipment/BookValue | 0 | 1430 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 1430 |
| IRS990ScheduleD/Land/BookValue | 0 | 265374 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 265374 |
| IRS990ScheduleD/OtherLandBuildings/BookValue | 0 | 80168 |
| IRS990ScheduleD/OtherLandBuildings/Depreciation | 0 | 273266 |
| IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis | 0 | 353434 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 16847868 |
| IRS990ScheduleD/OtherLiabilities/Amount | 1 | 3169698 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | Member Share Accounts |
| IRS990ScheduleD/OtherLiabilities/Description | 1 | Member Deposit Accounts |
| IRS990ScheduleD/TotalOfAmounts | 0 | 20017566 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 1066522 |
| IRS990ScheduleD/TotalOfBookValueSecurities | 0 | 7492600 |
| IRS990/ScheduleJRequired | 0 | false |
| IRS990ScheduleL/LoanTable/ApprovedByBoard | 0 | true |
| IRS990ScheduleL/LoanTable/Default | 0 | false |
| IRS990ScheduleL/LoanTable/LoanFromOrganization | 0 | X |
| IRS990ScheduleL/LoanTable/NameBusiness/BusinessNameLine1 | 0 | NA per 2012 Instructions |
| IRS990ScheduleL/LoanTable/WrittenAgreement | 0 | true |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | Mergers are voted on by entire membership. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | Section 501c(14) Credit Union is composed of members. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | Form 990, Part VI, Line 19 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | Form 990, Part VI, Line 15b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | Form 990, Part VI, Line 11b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | Form 990, Part VI, Line 7b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | Form 990, Part VI, Line 7a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | Form 990, Part VI, Line 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990/ScheduleORequired | 0 | true |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | MI |
| IRS990/SubjectToProxyTax | 0 | false |
| IRS990/TaxableDistributions | 0 | false |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | PO Box 361 |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | Owosso |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | MI |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 48867 |
| IRS990/TheBooksAreInCareOf/NamePerson | 0 | Angela Ruzinsky |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 9897257158 |
| IRS990/TotalAssets/BOY | 0 | 21536980 |
| IRS990/TotalAssetsBOY | 0 | 21536980 |
| IRS990/TotalAssets/EOY | 0 | 22114951 |
| IRS990/TotalAssetsEOY | 0 | 22114951 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalContributions | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 1093606 |
| IRS990/TotalExpensesPriorYear | 0 | 1433432 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 0 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 1093606 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 9774 |
| IRS990/TotalLiabilities/BOY | 0 | 20075012 |
| IRS990/TotalLiabilitiesBOY | 0 | 20075012 |
| IRS990/TotalLiabilities/EOY | 0 | 20610193 |
| IRS990/TotalLiabilitiesEOY | 0 | 20610193 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 21536980 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 22114951 |
| IRS990/TotalNbrEmployees | 0 | 20 |
| IRS990/TotalNbrVolunteers | 0 | 9 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 1461968 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 1504758 |
| IRS990/TotalOtherRevenue | 0 | 9774 |
| IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 13125 |
| IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn | 0 | 13125 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 906175 |
| IRS990/TotalReportableCompFromOrg | 0 | 60302 |
| IRS990/TotalRevenueCurrentYear | 0 | 1136396 |
| IRS990/TotalRevenuePriorYear | 0 | 1252764 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 1126622 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 1136396 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 9774 |
| IRS990/TransactionRelatedEntity | 0 | false |
| IRS990/TransfersToExemptNonChrtblOrg | 0 | false |
| IRS990/TravelEntrtnmntPublicOfficials/Total | 0 | 0 |
| IRS990/Travel/Total | 0 | 0 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
No mirrored PDF or thumbnail assets are attached yet.