Liabilities / Assets
53rd percentile
Higher debt load relative to assets than 53% of similar nonprofits.
990 • Fiscal year 2013 • EIN 38-1707412
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
53rd percentile
Higher debt load relative to assets than 53% of similar nonprofits.
Liabilities / Revenue
54th percentile
Higher debt load relative to revenue than 54% of similar nonprofits.
Net Margin
61st percentile
Higher net margin than 61% of similar nonprofits.
Top Officer Pay
8th percentile
Higher top officer pay than 8% of similar nonprofits.
Top officer pay equals 2.1% of source-year revenue.
Asset Growth
58th percentile
Faster asset growth than 58% of similar nonprofits.
Revenue Growth
25th percentile
Faster revenue growth than 25% of similar nonprofits.
Assets
Up$111,171,049
Up $3,569,116 (+3.3%) from 2012
Net Assets
Down$11,209,655
Down $175,634 (-1.5%) from 2012
Liabilities
Up$99,961,394
Up $3,744,750 (+3.9%) from 2012
Revenue
Down$5,330,014
Down $180,099 (-3.3%) from 2012
Expenses
Up$4,639,381
Up $38,984 (+0.8%) from 2012
Net Income
Down$690,633
Down $219,083 (-24%) from 2012
Provide loans and related services to credit union members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $57,966,010 | $59,691,066 | ▲ $1,725,056 |
| Investments Other Securities | $31,472,540 | $36,365,503 | ▲ $4,892,963 |
| Rtn Earn Endowment Incm Other Fnds | $11,385,289 | $11,209,655 | ▼ $175,634 |
| Savings and Temporary Cash Investments | $11,158,287 | $8,311,484 | ▼ $2,846,803 |
| Cash and Non-Interest-Bearing Accounts | $2,802,293 | $2,556,081 | ▼ $246,212 |
| Land, Buildings, and Equipment, Net | $1,374,814 | $1,472,526 | ▲ $97,712 |
| Receivables From Officers Etc | $961,494 | $1,010,869 | ▲ $49,375 |
| Prepaid Expenses and Deferred Charges | $185,085 | $175,827 | ▼ $9,258 |
| Accounts Receivable | $12,432 | $979 | ▼ $11,453 |
| Total Assets | $107,601,933 | $111,171,049 | ▲ $3,569,116 |
| Other Assets Total | $1,668,978 | $1,586,714 | ▼ $82,264 |
| Liabilities | |||
| Other Liabilities | $95,762,716 | $99,392,110 | ▲ $3,629,394 |
| Accounts Payable and Accrued Expenses | $453,928 | $569,284 | ▲ $115,356 |
| Total Liabilities | $96,216,644 | $99,961,394 | ▲ $3,744,750 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $11,385,289 | $11,209,655 | ▼ $175,634 |
| Total Liabilities and Net Assets / Fund Balance | $107,601,933 | $111,171,049 | ▲ $3,569,116 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $825,400 | $1,205,095 | $2,030,495 |
| Equipment | $277,101 | $568,696 | $845,797 |
| Land | $370,025 | - | $370,025 |
| Other Securities | $157,450 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Erik Bessonen | Assistant Ma | FT | $113,360 | $113,360 |
| Brenda S Lippens | CEO/general | FT | $67,800 | $67,800 |
| Name | Title |
|---|---|
| Scott Fritz | President |
| Arthur Messier | Director |
| Duane Verbrigghe | Director |
| Jody Jaeger | Director |
| Joanne Stefl | Secretary |
| Jon Liss | Treasurer |
| David Perrault | Vice Preside |
| Line Item | Amount |
|---|---|
| Other Expenses | $3,072,215 |
| Salaries, Compensation, and Employee Benefits | $1,567,166 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,258,225 |
| Interest | - | - | - | $787,808 |
| All Other Expenses | - | - | - | $263,370 |
| Other Expenses | - | - | - | $219,561 |
| Office Expenses | - | - | - | $171,008 |
| Occupancy | - | - | - | $149,058 |
| Advertising | - | - | - | $145,931 |
| Insurance | - | - | - | $120,316 |
| Other Employee Benefits | - | - | - | $117,983 |
| Depreciation Depletion | - | - | - | $103,425 |
| Payroll Taxes | - | - | - | $97,422 |
| Pension Plan Contributions | - | - | - | $93,536 |
| Information Technology | - | - | - | $66,115 |
| Fees for Services Accounting | - | - | - | $63,110 |
| Travel | - | - | - | $32,681 |
| Conferences and Meetings | - | - | - | $31,789 |
| Fees for Services Other | - | - | - | $25,757 |
| Total Functional Expenses | $0 | $0 | $0 | $4,639,381 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $961,494 | $1,010,869 | ▲ $49,375 |
| Liability | Amount |
|---|---|
| Member Deposits | $99,392,110 |
“NONE”
“Elections are held by the credit union at its annual meeting for board member terms that are staggered.”
“The ceo reviews the form 990 before signing the electronic filing authorization.”
“Management reviews policy with employees and board of directors annually. In addition, they are implementing a certification requiring signatures during 2011.”
“Ceo/general manager is subjected to an annual review by a committee of the board using peer salary survey results, goal setting, etc.”
“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.”
“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.”
“Unrealized gain on afs securities 0 unrealized loss on afs securities 866,267”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 453928 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 569284 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 12432 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 979 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | PROVIDE LOANS AND RELATED SERVICES TO CREDIT UNION MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 145931 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 263370 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | BRENDA S LIPPENS |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine2 | 0 | DELTA COUNTY CREDIT UNION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9067867213 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 2600 1ST AVE SOUTH |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine2 | 0 | 2600 1ST AVE SOUTH |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | ESCANABA |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 49829 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2802293 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2556081 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 31789 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 764563 |
| IRS990/CYOtherExpensesAmt | 0 | 3072215 |
| IRS990/CYOtherRevenueAmt | 0 | 74244 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 4491207 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 690633 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1567166 |
| IRS990/CYTotalExpensesAmt | 0 | 4639381 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 5330014 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 103425 |
| IRS990/Desc | 0 | PROVIDE LOANS AND RELATED SERVICES TO CREDIT UNION MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 37 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 63110 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 25757 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | SCOTT FRITZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DAVID PERRAULT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JON LISS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ARTHUR MESSIER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JOANNE STEFL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JODY JAEGER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DUANE VERBRIGGHE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | ERIK BESSONEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | BRENDA S LIPPENS |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 113360 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 67800 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | ASSISTANT MA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CEO/GENERAL |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1960 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -38190 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 24119 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 42167 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 24119 |
| IRS990/GrossReceiptsAmt | 0 | 5410371 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 66115 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 120316 |
| IRS990/InterestGrp/TotalAmt | 0 | 787808 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 778634 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 778634 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 31472540 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 36365503 |
| IRS990/IRPDocumentCnt | 0 | 18060 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1773791 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1374814 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1472526 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3246317 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 80357 |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | true |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | PROVIDE LOANS AND RELATED SERVICES TO CREDIT UNION MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 11385289 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 11209655 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -14071 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -14071 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 149058 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 171008 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1668978 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1586714 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -866267 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 117983 |
| IRS990/OtherExpensesGrp/Desc | 0 | FEES |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | CREDIT CARD PROGRAM |
| IRS990/OtherExpensesGrp/Desc | 3 | DATA PROCESSING |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 342575 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 310000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 239711 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 219561 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 95762716 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 99392110 |
| IRS990/OtherOrganizationDsc | 0 | COOPERATIVE |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER INCOME/MCSD IMPR REFUND |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 74244 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 74244 |
| IRS990/OtherRevenueTotalAmt | 0 | 74244 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1258225 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 57966010 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 59691066 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 97422 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 93536 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 185085 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 175827 |
| IRS990/PrincipalOfficerNm | 0 | BRENDA S LIPPENS |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | VISA/DEBIT CARD INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEES AND CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | SERVICES ON FREDDIE MAC LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3016793 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 757989 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 449073 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 267352 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3016793 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 757989 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 449073 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 267352 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 888470 |
| IRS990/PYOtherExpensesAmt | 0 | 3121787 |
| IRS990/PYOtherRevenueAmt | 0 | 73189 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4548454 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 909716 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1478610 |
| IRS990/PYTotalExpensesAmt | 0 | 4600397 |
| IRS990/PYTotalRevenueAmt | 0 | 5510113 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 961494 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 1010869 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 690633 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 11385289 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 11209655 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 11158287 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 8311484 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 825400 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1205095 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2030495 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 277101 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 568696 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 845797 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 370025 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 370025 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 99392110 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 14024824 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 13930492 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 7827837 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 424900 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 157450 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | MUNICIPAL BONDS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | AGENCY NOTES/BONDS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | CDS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | PER CAP MEMBERSHIP IN CENTRAL CU |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | FNMA |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1472526 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 36365503 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 99392110 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 1010869 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | CREDIT UNION MEMBER-NORMAL BUSINESS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | OFFICERS AND DIRECTORS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 1010869 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | NONE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ELECTIONS ARE HELD BY THE CREDIT UNION AT ITS ANNUAL MEETING FOR BOARD MEMBER TERMS THAT ARE STAGGERED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CEO REVIEWS THE FORM 990 BEFORE SIGNING THE ELECTRONIC FILING AUTHORIZATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | MANAGEMENT REVIEWS POLICY WITH EMPLOYEES AND BOARD OF DIRECTORS ANNUALLY. IN ADDITION, THEY ARE IMPLEMENTING A CERTIFICATION REQUIRING SIGNATURES DURING 2011. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | CEO/GENERAL MANAGER IS SUBJECTED TO AN ANNUAL REVIEW BY A COMMITTEE OF THE BOARD USING PEER SALARY SURVEY RESULTS, GOAL SETTING, ETC. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | UNREALIZED GAIN ON AFS SECURITIES 0 UNREALIZED LOSS ON AFS SECURITIES 866,267 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 6, PART VI, LINE 5 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 107601933 |
| IRS990/TotalAssetsEOYAmt | 0 | 111171049 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 107601933 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 111171049 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 37 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4639381 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 96216644 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 99961394 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 96216644 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 99961394 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 11385289 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 11209655 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 4491207 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 181160 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 852878 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4477136 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 5330014 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 107601933 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 111171049 |
| IRS990/TravelGrp/TotalAmt | 0 | 32681 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | PO BOX 756 |
| IRS990/USAddress/City | 0 | ESCANABA |
| IRS990/USAddress/State | 0 | MI |
| IRS990/USAddress/ZIPCode | 0 | 49829 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.DELTACOUNTYCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | BRENDA S LIPPENS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO/GENERAL MANAGER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9067867213 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-10-30 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | DELTA COUNTY CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | DELT |
| ReturnHeader/Filer/EIN | 0 | 381707412 |
| ReturnHeader/Filer/PhoneNum | 0 | 9067867213 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | PO BOX 756 |
| ReturnHeader/Filer/USAddress/City | 0 | ESCANABA |
| ReturnHeader/Filer/USAddress/State | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 49829 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 381977929 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | ANDERSON TACKMAN & COMPANY PLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 901 LUDINGTON STREET |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | ESCANABA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 49829 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 9067863111 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2014-11-12 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | KRISTINE P BERHOW CPA |
| ReturnHeader/ReturnTs | 0 | 2014-11-12T17:28:33-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.