Civic Intelligence

Delta County Credit Union

EIN 38-1707412 • 501(c)14 • Escanaba, MI

Profile

Provide loans and related services to credit union members.

PO Box 756Escanaba, MI 49829
Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2020

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2020

Net Margin

84th percentile

19%

Higher net margin than 84% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

62nd percentile

$62,810

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2020

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

8th percentile

-67%

Faster revenue growth than 8% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $136,940,416 (-100%) from 2019

Liabilities

Down

$0

Down $119,098,766 (-100%) from 2019

Net Assets

Down

$0

Down $17,841,650 (-100%) from 2019

Operations
Liabilities / Revenue35th percentileNet Margin84th percentile

Revenue

Down

$2,598,708

Down $5,315,462 (-67%) from 2019

Expenses

Down

$2,092,361

Down $3,940,066 (-65%) from 2019

Net Income

Down

$506,347

Down $1,375,396 (-73%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$150M$100M$50M$0Assets 2010: $92,455,819Liabilities 2010: $82,891,799Net Assets 2010: $9,564,0202010Assets 2011: $98,983,057Liabilities 2011: $88,411,532Net Assets 2011: $10,571,5252011Assets 2012: $107,601,933Liabilities 2012: $96,216,644Net Assets 2012: $11,385,2892012Assets 2013: $111,171,049Liabilities 2013: $99,961,394Net Assets 2013: $11,209,6552013Assets 2014: $119,053,964Liabilities 2014: $106,808,302Net Assets 2014: $12,245,6622014Assets 2015: $124,043,248Liabilities 2015: $111,068,901Net Assets 2015: $12,974,3472015Assets 2016: $128,961,004Liabilities 2016: $115,577,161Net Assets 2016: $13,383,8432016Assets 2017: $131,094,626Liabilities 2017: $117,018,383Net Assets 2017: $14,076,2432017Assets 2018: $128,366,654Liabilities 2018: $113,169,015Net Assets 2018: $15,197,6392018Assets 2019: $136,940,416Liabilities 2019: $119,098,766Net Assets 2019: $17,841,6502019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2020

Assets$0
Liabilities$0
Net Assets$0
Open 2020 Filing

Operations Trend

Revenue Growth8th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $4,525,4932010Expenses 2011: $4,625,8782011Revenue 2012: $5,510,113Expenses 2012: $4,600,397Net Income 2012: $909,7162012Revenue 2013: $5,330,014Expenses 2013: $4,639,381Net Income 2013: $690,6332013Revenue 2014: $5,506,252Expenses 2014: $4,690,498Net Income 2014: $815,7542014Revenue 2015: $5,806,905Expenses 2015: $5,039,198Net Income 2015: $767,7072015Revenue 2016: $6,110,757Expenses 2016: $5,370,724Net Income 2016: $740,0332016Revenue 2017: $6,554,722Expenses 2017: $5,720,516Net Income 2017: $834,2062017Revenue 2018: $7,225,500Expenses 2018: $5,905,303Net Income 2018: $1,320,1972018Revenue 2019: $7,914,170Expenses 2019: $6,032,427Net Income 2019: $1,881,7432019Revenue 2020: $2,598,708Expenses 2020: $2,092,361Net Income 2020: $506,3472020

Highlighted filing

2020

Revenue$2,598,708
Expenses$2,092,361
Net Income$506,347
Open 2020 Filing

Filings

Most recent year

2020 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$2,598,708
Expenses
$2,092,361
Net income
$506,347
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$2.60$2.09$0.51
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$137$119$17.8$7.91$6.03$1.88
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$128$113$15.2$7.23$5.91$1.32
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$117$14.1$6.55$5.72$0.83
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$116$13.4$6.11$5.37$0.74
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$124$111$13.0$5.81$5.04$0.77
2014Detailed filing. Detailed filing data is available for this year.$119$107$12.2$5.51$4.69$0.82
2013Detailed filing. Detailed filing data is available for this year.$111$100.0$11.2$5.33$4.64$0.69
2012Summary only. Only limited summary data is available for this year.$108$96.2$11.4$5.51$4.60$0.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$99.0$88.4$10.6$4.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.5$82.9$9.56$4.53
Latest Detailed Filing

The latest 2020 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2014 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Sep 19, 2015
Return Version
2014v5.0
Gross Receipts
$5,514,306
Mission and Program Overview

Mission

Provide loans and related services to credit union members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$59,691,066$66,440,723▲ $6,749,657
Investments Other Securities$36,365,503$39,009,803▲ $2,644,300
Rtn Earn Endowment Incm Other Fnds$11,209,655$12,245,662▲ $1,036,007
Savings and Temporary Cash Investments$8,311,484$5,966,667▼ $2,344,817
Cash and Non-Interest-Bearing Accounts$2,556,081$3,101,388▲ $545,307
Land, Buildings, and Equipment, Net$1,472,526$1,514,540▲ $42,014
Receivables From Officers Etc$1,010,869$1,213,943▲ $203,074
Prepaid Expenses and Deferred Charges$175,827$245,220▲ $69,393
Accounts Receivable$979$6,675▲ $5,696
Total Assets$111,171,049$119,053,964▲ $7,882,915
Other Assets Total$1,586,714$1,555,005▼ $31,709
Liabilities
Other Liabilities$99,392,110$106,281,107▲ $6,888,997
Accounts Payable and Accrued Expenses$569,284$527,195▼ $42,089
Total Liabilities$99,961,394$106,808,302▲ $6,846,908
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,209,655$12,245,662▲ $1,036,007
Total Liabilities and Net Assets / Fund Balance$111,171,049$119,053,964▲ $7,882,915

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$851,825$1,251,221$2,103,046
Equipment$292,690$566,243$858,933
Land$370,025-$370,025
Other Securities$94,230--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Brenda S LippensCEO/generalFT$125,950$125,950
Erik BessonenAssistant MaFT$77,902$77,902

Board Members and Trustees

NameTitle
Scott FritzPresident
Duane VerbriggheDirector
Jody JaegerDirector
Keith LynchDirector
Joanne SteflSecretary
Jody JaegerTreasurer
David PerraultVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,601,972
Investment Income
$813,241
Other Revenue
$91,039
Change in Net Assets
$815,754
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,036,104
Salaries, Compensation, and Employee Benefits$1,654,394
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,110,122
Interest---$763,075
All Other Expenses---$238,550
Other Expenses---$233,007
Current Officers, Directors, Trustees, and Key Employees---$203,852
Office Expenses---$169,443
Occupancy---$158,268
Advertising---$153,726
Other Employee Benefits---$130,432
Depreciation Depletion---$116,280
Payroll Taxes---$108,985
Pension Plan Contributions---$101,003
Information Technology---$69,859
Fees for Services Accounting---$65,790
Insurance---$46,926
Travel---$38,225
Fees for Services Other---$28,434
Conferences and Meetings---$27,463
Total Functional Expenses$0$0$0$4,690,498
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$1,010,869$1,213,943▲ $203,074
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$106,281,107
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Elections are held by the credit union at its annual meeting for board member terms that are staggered.”

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

“The ceo reviews the form 990 before signing the electronic filing authorization.”

Form 990, Page 6, Part VI, Line 12C

“Management reviews policy with employees and board of directors annually requiring certification signatures.”

Form 990, Page 6, Part VI, Line 15A

“Ceo/general manager is subjected to an annual review by a committee of the board using peer salary survey results, goal setting, etc.”

Form 990, Page 6, Part VI, Line 15B

“Other officers/key employees are subjected to an annual review conducted by the president/ceo of the credit union using peer salary survey results, goal setting, etc.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted at the physical offices of the credit union monthly. Governing documents and credit union policies are available from the main office upon request.”

Filing and Contact Details

Filer

Filer Name
Delta County Credit Union
EIN
38-1707412
Phone
9067867213
Address
PO BOX 756, ESCANABA, MI 49829

Signing Officer

Name
Brenda S Lippens
Title
CEO/general Manager
Phone
9067867213
Signed
2015-09-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brenda S Lippens
Formed
1960
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
42
Volunteers
7

Preparer

Firm
Anderson Tackman & Company Plc
Address
901 LUDINGTON STREET, ESCANABA, MI 49829
Preparer
Kristine P Berhow CPA
Phone
9067863111
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Unrealized gain on afs securities 220,253”

Raw XML Appendix389 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
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0527195
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IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE LOANS AND RELATED SERVICES TO CREDIT UNION MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0153726
IRS990/AllOtherExpensesGrp/TotalAmt0238550
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
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IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine2Txt0DELTA COUNTY CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum09067867213
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02600 1ST AVE SOUTH
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IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049829
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02556081
IRS990/CashNonInterestBearingGrp/EOYAmt03101388
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0203852
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt027463
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/CYInvestmentIncomeAmt0813241
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IRS990/CYTotalRevenueAmt05506252
IRS990/DecisionsSubjectToApprovaInd0false
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IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0116280
IRS990/Desc0PROVIDE LOANS AND RELATED SERVICES TO CREDIT UNION MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt042
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt065790
IRS990/FeesForServicesOtherGrp/TotalAmt028434
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
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/PersonNm0SCOTT FRITZ
IRS990/Form990PartVIISectionAGrp/PersonNm1DAVID PERRAULT
IRS990/Form990PartVIISectionAGrp/PersonNm2JODY JAEGER
IRS990/Form990PartVIISectionAGrp/PersonNm3JOANNE STEFL
IRS990/Form990PartVIISectionAGrp/PersonNm4JODY JAEGER
IRS990/Form990PartVIISectionAGrp/PersonNm5DUANE VERBRIGGHE
IRS990/Form990PartVIISectionAGrp/PersonNm6KEITH LYNCH
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IRS990/Form990PartVIISectionAGrp/PersonNm8ERIK BESSONEN
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO/GENERAL
IRS990/Form990PartVIISectionAGrp/TitleTxt8ASSISTANT MA
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt011514
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt019568
IRS990/GrossReceiptsAmt05514306
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt036365503
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IRS990/IRPDocumentCnt025929
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IRS990/LoanOutstandingInd0true
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IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE LOANS AND RELATED SERVICES TO CREDIT UNION MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt011209655
IRS990/NetAssetsOrFundBalancesEOYAmt012245662
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt011514
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt011514
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0158268
IRS990/OfficeExpensesGrp/TotalAmt0169443
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc0FEES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CREDIT CARD PROGRAM
IRS990/OtherExpensesGrp/Desc3DATA PROCESSING
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IRS990/OtherExpensesGrp/TotalAmt1330000
IRS990/OtherExpensesGrp/TotalAmt2253448
IRS990/OtherExpensesGrp/TotalAmt3233007
IRS990/OtherLiabilitiesGrp/BOYAmt099392110
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IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
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IRS990/OtherRevenueTotalAmt091039
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt059691066
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt066440723
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0108985
IRS990/PensionPlanContributionsGrp/TotalAmt0101003
IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgramServiceRevenueGrp/Desc1VISA/DEBIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3SERVICES ON FREDDIE MAC LOANS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1815214
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2429748
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IRS990/PYTotalRevenueAmt05330014
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt05966667
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt01251221
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02103046
IRS990ScheduleD/EquipmentGrp/BookValueAmt0292690
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0566243
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0858933
IRS990ScheduleD/LandGrp/BookValueAmt0370025
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0370025
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0106281107
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt111869301
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt29298551
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3424900
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4109500
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt594230
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IRS990ScheduleD/OtherSecuritiesGrp/Desc1MUNICIPAL BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PER CAP MEMBERSHIP IN CENTRAL CU
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CUSO
IRS990ScheduleD/OtherSecuritiesGrp/Desc5FNMA
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0OFFICERS AND DIRECTORS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ELECTIONS ARE HELD BY THE CREDIT UNION AT ITS ANNUAL MEETING FOR BOARD MEMBER TERMS THAT ARE STAGGERED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CEO REVIEWS THE FORM 990 BEFORE SIGNING THE ELECTRONIC FILING AUTHORIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MANAGEMENT REVIEWS POLICY WITH EMPLOYEES AND BOARD OF DIRECTORS ANNUALLY REQUIRING CERTIFICATION SIGNATURES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO/GENERAL MANAGER IS SUBJECTED TO AN ANNUAL REVIEW BY A COMMITTEE OF THE BOARD USING PEER SALARY SURVEY RESULTS, GOAL SETTING, ETC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4OTHER OFFICERS/KEY EMPLOYEES ARE SUBJECTED TO AN ANNUAL REVIEW CONDUCTED BY THE PRESIDENT/CEO OF THE CREDIT UNION USING PEER SALARY SURVEY RESULTS, GOAL SETTING, ETC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED AT THE PHYSICAL OFFICES OF THE CREDIT UNION MONTHLY. GOVERNING DOCUMENTS AND CREDIT UNION POLICIES ARE AVAILABLE FROM THE MAIN OFFICE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UNREALIZED GAIN ON AFS SECURITIES 220,253
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/TaxablePartyNotificationInd0false
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IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt0106808302
IRS990/TotalLiabilitiesGrp/BOYAmt099961394
IRS990/TotalLiabilitiesGrp/EOYAmt0106808302
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012245662
IRS990/TotalProgramServiceRevenueAmt04601972
IRS990/TotalReportableCompFromOrgAmt0203852
IRS990/TotalRevenueGrp/ExclusionAmt0892766
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04613486
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05506252
IRS990/TotalVolunteersCnt07
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0119053964
IRS990/TravelGrp/TotalAmt038225
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 756
IRS990/USAddress/CityNm0ESCANABA
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049829
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.DELTACOUNTYCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENDA S LIPPENS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/GENERAL MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09067867213
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-09-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DELTA COUNTY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DELT
ReturnHeader/Filer/EIN0381707412
ReturnHeader/Filer/PhoneNum09067867213
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 756
ReturnHeader/Filer/USAddress/CityNm0ESCANABA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049829
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0381977929
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSON TACKMAN & COMPANY PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0901 LUDINGTON STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ESCANABA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049829
ReturnHeader/PreparerPersonGrp/PhoneNum09067863111
ReturnHeader/PreparerPersonGrp/PreparationDt02015-09-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KRISTINE P BERHOW CPA
ReturnHeader/ReturnTs02015-11-13T10:43:16-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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