Civic Intelligence

Christopher Credit Union

EIN 38-1708464 • 501(c)14 • Chesaning, MI

Profile

To provide savings and loan services to the members of christopher credit union.

PO Box 358Chesaning, MI 48616
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 2017

Liabilities / Revenue

96th percentile

0.00x

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

501(c)14 • <$500k nonprofits • Source year 2017

Net Margin

99th percentile

95%

Higher net margin than 99% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2017

Top Officer Pay

29th percentile

$0

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2017

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

15th percentile

-84%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $2,057,939 (-100%) from 2016

Liabilities

Flat

$0

Flat from 2016

Net Assets

Down

$0

Down $2,057,939 (-100%) from 2016

Operations
Liabilities / Revenue96th percentileNet Margin99th percentile

Revenue

Down

$9,261

Down $47,099 (-84%) from 2016

Expenses

Down

$440

Down $65,883 (-99%) from 2016

Net Income

Up

$8,821

Up $18,784 (+189%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,273,135Liabilities 2010: $3,217Net Assets 2010: $2,269,9182010Assets 2011: $2,301,285Liabilities 2011: $2,930Net Assets 2011: $2,298,3552011Assets 2012: $2,365,989Liabilities 2012: $3,584Net Assets 2012: $2,362,4052012Assets 2013: $2,435,696Liabilities 2013: $2,656Net Assets 2013: $2,433,0402013Assets 2014: $2,336,752Liabilities 2014: $2,517Net Assets 2014: $2,334,2352014Assets 2015: $2,212,825Liabilities 2015: $2,668Net Assets 2015: $2,210,1572015Assets 2016: $2,057,939Liabilities 2016: $0Net Assets 2016: $2,057,9392016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2017

Assets$0
Liabilities$0
Net Assets$0
Open 2017 Filing

Operations Trend

Revenue Growth15th percentile

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

$100K$50K$0-$50KExpenses 2010: $79,5932010Expenses 2011: $76,8992011Expenses 2012: $72,8112012Revenue 2013: $63,701Expenses 2013: $68,915Net Income 2013: -$5,2142013Revenue 2014: $59,268Expenses 2014: $60,156Net Income 2014: -$8882014Revenue 2015: $55,258Expenses 2015: $61,456Net Income 2015: -$6,1982015Revenue 2016: $56,360Expenses 2016: $66,323Net Income 2016: -$9,9632016Revenue 2017: $9,261Expenses 2017: $440Net Income 2017: $8,8212017

Highlighted filing

2017

Revenue$9,261
Expenses$440
Net Income$8,821
Open 2017 Filing

Filings

Most recent year

2017 • 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
$9,261
Expenses
$440
Net income
$8,821
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.01$0.00$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.06$0.00$2.06$0.06$0.07$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.21$0.00$2.21$0.06$0.06$0.01
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.34$0.00$2.33$0.06$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$2.44$0.00$2.43$0.06$0.07$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.37$0.00$2.36$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.30$0.00$2.30$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.27$0.00$2.27$0.08
Latest Detailed Filing

The latest 2017 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2013 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 5, 2014
Return Version
2013v3.1
Gross Receipts
$63,701
Mission and Program Overview

Mission

To provide savings and loan services to the members of christopher credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$2,128,321$2,204,167▲ $75,846
Savings and Temporary Cash Investments$1,988,181$2,091,277▲ $103,096
Other Notes and Loans Receivable, Net$335,093$299,584▼ $35,509
Rtn Earn Endowment Incm Other Fnds$234,084$228,873▼ $5,211
Prepaid Expenses and Deferred Charges$13,745$14,559▲ $814
Land, Buildings, and Equipment, Net-$463-
Total Assets$2,365,989$2,435,696▲ $69,707
Other Assets Total$28,970$29,813▲ $843
Liabilities
Accounts Payable and Accrued Expenses$3,584$2,656▼ $928
Total Liabilities$3,584$2,656▼ $928
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,362,405$2,433,040▲ $70,635
Total Liabilities and Net Assets / Fund Balance$2,365,989$2,435,696▲ $69,707

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$463$5,376$5,839
Compensation and Service Providers
Top Officer Pay29th percentile

Board Members and Trustees

NameTitle
Michael MaxaPresident
John DunbarDirector
Louis GieskenDirector
Michael BorsenikDirector
James GenglerSecretary
Ronald a HoernerTreasurer
Ronald HarrisVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,180
Investment Income
$46,521
Other Revenue
$0
Change in Net Assets
$-5,214
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$38,738
Other Expenses$30,177
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$15,000-$15,000
Other Employee Benefits-$13,335-$13,335
Other Salaries and Wages-$8,400-$8,400
All Other Expenses-$5,077-$5,077
Occupancy-$4,800-$4,800
Payroll Taxes-$2,003-$2,003
Other Expenses-$1,792-$1,792
Office Expenses-$1,671-$1,671
Advertising-$1,197-$1,197
Conferences and Meetings-$325-$325
Depreciation Depletion-$116-$116
Total Functional Expenses$0$68,915$0$68,915
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
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
No
Management duties delegated
No

Governance Explanations

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

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

EIN
38-1708464
Phone
9898457616

Signing Officer

Name
Ronald a Hoerner
Title
Treasurer
Phone
9898457616
Signed
2014-05-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ronald a Hoerner
Formed
1956
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
2

Preparer

Preparer
Ronald a Hoerner
Phone
9898453232
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To act as a savings and loan operation for the benefit of the members of christopher credit union.”

Form 990, Part XI, Line 9

“Increase in member capital shares 75,846 increase in memeber entry fees 3 decrease in member capital shares 0”

Raw XML Appendix292 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/BOYAmt03584
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IRS990/ActivityOrMissionDesc0TO PROVIDE SAVINGS AND LOAN SERVICES TO THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt01197
IRS990/AdvertisingGrp/TotalAmt01197
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt05077
IRS990/AllOtherExpensesGrp/TotalAmt05077
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0RONALD A HOERNER
IRS990/BooksInCareOfDetail/PhoneNum09898457616
IRS990/BooksInCareOfDetail/USAddress/AddressLine10150 W BROAD STREET
IRS990/BooksInCareOfDetail/USAddress/City0CHESANING
IRS990/BooksInCareOfDetail/USAddress/State0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode048616
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt02128321
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt02204167
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt015000
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt015000
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0325
IRS990/ConferencesMeetingsGrp/TotalAmt0325
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt046521
IRS990/CYOtherExpensesAmt030177
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt017180
IRS990/CYRevenuesLessExpensesAmt0-5214
IRS990/CYSalariesCompEmpBnftPaidAmt038738
IRS990/CYTotalExpensesAmt068915
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt063701
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0116
IRS990/DepreciationDepletionGrp/TotalAmt0116
IRS990/Desc0TO ACT AS A SAVINGS AND LOAN OPERATION FOR THE BENEFIT OF THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0JOHN DUNBAR
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL BORSENIK
IRS990/Form990PartVIISectionAGrp/PersonNm2LOUIS GIESKEN
IRS990/Form990PartVIISectionAGrp/PersonNm3RONALD HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm4JAMES GENGLER
IRS990/Form990PartVIISectionAGrp/PersonNm5RONALD A HOERNER
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL MAXA
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt063701
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt046521
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt046521
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0144
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05376
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0463
IRS990/LandBldgEquipCostOrOtherBssAmt05839
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE SAVINGS AND LOAN SERVICES TO THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02362405
IRS990/NetAssetsOrFundBalancesEOYAmt02433040
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt04800
IRS990/OccupancyGrp/TotalAmt04800
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01671
IRS990/OfficeExpensesGrp/TotalAmt01671
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt028970
IRS990/OtherAssetsTotalGrp/EOYAmt029813
IRS990/OtherChangesInNetAssetsAmt075849
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt013335
IRS990/OtherEmployeeBenefitsGrp/TotalAmt013335
IRS990/OtherExpensesGrp/Desc0SHARE DIVIDENDS PAID
IRS990/OtherExpensesGrp/Desc1DIRECTOR'S BOND
IRS990/OtherExpensesGrp/Desc2SUPERVISION/EXAM EXPENSES
IRS990/OtherExpensesGrp/Desc3NCUSIF CAPITALIZATION EXP
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt09934
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12793
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22472
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt31792
IRS990/OtherExpensesGrp/TotalAmt09934
IRS990/OtherExpensesGrp/TotalAmt12793
IRS990/OtherExpensesGrp/TotalAmt22472
IRS990/OtherExpensesGrp/TotalAmt31792
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt08400
IRS990/OtherSalariesAndWagesGrp/TotalAmt08400
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0335093
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0299584
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02003
IRS990/PayrollTaxesGrp/TotalAmt02003
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013745
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014559
IRS990/PrincipalOfficerNm0RONALD A HOERNER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0CREDIT UNION ACTIVITY
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt017180
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt017180
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO ACT AS A SAVINGS AND LOAN OPERATION FOR THE BENEFIT OF THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt047677
IRS990/PYOtherExpensesAmt032298
IRS990/PYProgramServiceRevenueAmt018738
IRS990/PYRevenuesLessExpensesAmt0-6396
IRS990/PYSalariesCompEmpBnftPaidAmt040513
IRS990/PYTotalExpensesAmt072811
IRS990/PYTotalRevenueAmt066415
IRS990/ReconcilationRevenueExpnssAmt0-5214
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0234084
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0228873
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01988181
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02091277
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0463
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt05376
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt05839
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0463
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO ACT AS A SAVINGS AND LOAN OPERATION FOR THE BENEFIT OF THE MEMBERS OF CHRISTOPHER CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INCREASE IN MEMBER CAPITAL SHARES 75,846 INCREASE IN MEMEBER ENTRY FEES 3 DECREASE IN MEMBER CAPITAL SHARES 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02365989
IRS990/TotalAssetsEOYAmt02435696
IRS990/TotalAssetsGrp/BOYAmt02365989
IRS990/TotalAssetsGrp/EOYAmt02435696
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt068915
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt068915
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03584
IRS990/TotalLiabilitiesEOYAmt02656
IRS990/TotalLiabilitiesGrp/BOYAmt03584
IRS990/TotalLiabilitiesGrp/EOYAmt02656
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02362405
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02433040
IRS990/TotalProgramServiceRevenueAmt017180
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt063701
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt063701
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02365989
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02435696
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine10714 S FRONT STREET
IRS990/USAddress/City0CHESANING
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode048616
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RONALD A HOERNER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09898457616
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine10CHRISTOPHER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CHRI
ReturnHeader/Filer/EIN0381708464
ReturnHeader/Filer/PhoneNum09898457616
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 358
ReturnHeader/Filer/USAddress/City0CHESANING
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048616
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10HOERNER & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10150 W BROAD ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CHESANING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0486161203
ReturnHeader/PreparerPersonGrp/PhoneNum09898453232
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RONALD A HOERNER
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-05-06T16:19:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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