Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2012 • EIN 38-1710121

Jan 01, 2012 to Dec 31, 2012 • Filed on Mar 22, 2013

Organization Profilewww.calcitecu.com
478 North Third Street49779
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$52,985,736

Flat from 2012

Net Assets

Flat

$6,556,951

Flat from 2012

Liabilities

Flat

$46,428,785

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$2,170,802

Flat from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2010: $43,340,705Liabilities 2010: $37,815,680Net Assets 2010: $5,525,0252010Assets 2011: $48,726,100Liabilities 2011: $43,376,192Net Assets 2011: $5,349,9082011Assets 2012: $52,985,736Liabilities 2012: $46,428,785Net Assets 2012: $6,556,9512012Assets 2012: $52,985,736Liabilities 2012: $46,428,785Net Assets 2012: $6,556,9512012Assets 2013: $56,347,617Liabilities 2013: $49,784,000Net Assets 2013: $6,563,6172013Assets 2014: $58,980,895Liabilities 2014: $51,894,876Net Assets 2014: $7,086,0192014Assets 2015: $63,281,573Liabilities 2015: $55,757,863Net Assets 2015: $7,523,7102015Assets 2016: $68,444,775Liabilities 2016: $60,497,722Net Assets 2016: $7,947,0532016Assets 2017: $73,257,453Liabilities 2017: $64,696,210Net Assets 2017: $8,561,2432017Assets 2018: $77,266,557Liabilities 2018: $67,974,402Net Assets 2018: $9,292,1552018Assets 2019: $82,151,047Liabilities 2019: $71,284,647Net Assets 2019: $10,866,4002019Assets 2020: $99,822,942Liabilities 2020: $87,678,907Net Assets 2020: $12,144,0352020Assets 2021: $120,869,904Liabilities 2021: $108,528,396Net Assets 2021: $12,341,5082021Assets 2022: $126,826,466Liabilities 2022: $116,073,085Net Assets 2022: $10,753,3812022

Highlighted filing

2012

Assets$52,985,736
Liabilities$46,428,785
Net Assets$6,556,951
Open 2012 Filing

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0Expenses 2010: $2,135,8592010Revenue 2011: $2,427,515Expenses 2011: $2,013,642Net Income 2011: $413,8732011Expenses 2012: $2,170,8022012Revenue 2012: $2,547,485Expenses 2012: $2,170,802Net Income 2012: $376,6832012Revenue 2013: $2,589,955Expenses 2013: $2,220,013Net Income 2013: $369,9422013Revenue 2014: $2,630,840Expenses 2014: $2,129,159Net Income 2014: $501,6812014Revenue 2015: $2,747,921Expenses 2015: $2,265,657Net Income 2015: $482,2642015Revenue 2016: $2,991,605Expenses 2016: $2,356,768Net Income 2016: $634,8372016Revenue 2017: $3,293,030Expenses 2017: $2,575,740Net Income 2017: $717,2902017Revenue 2018: $3,649,035Expenses 2018: $2,768,819Net Income 2018: $880,2162018Revenue 2019: $3,914,279Expenses 2019: $2,945,378Net Income 2019: $968,9012019Revenue 2020: $3,941,903Expenses 2020: $3,092,103Net Income 2020: $849,8002020Revenue 2021: $4,259,260Expenses 2021: $3,367,855Net Income 2021: $891,4052021Revenue 2022: $5,018,652Expenses 2022: $3,802,751Net Income 2022: $1,215,9012022

Highlighted filing

2012

Revenue-
Expenses$2,170,802
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Mar 22, 2013
Return Version
2012v2.0
Gross Receipts
$2,547,485
Mission and Program Overview

Mission

Provide financial services and products to members.

Major Activities

Activity 2
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 3,251.
Filing and Contact Details

Filer

EIN
38-1710121
Raw XML AppendixShowing 400 of 439 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
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY0869613
IRS990/AccountsPayableAccruedExpenses/EOY0638896
IRS990/AccountsReceivable/EOY00
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0The 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 3,251.
IRS990/ActivityOrMissionDescription0Provide financial services and products to members.
IRS990/AddressPrincipalOfficerUS/AddressLine10478 North Third Street
IRS990/AddressPrincipalOfficerUS/City0Rogers City
IRS990/AddressPrincipalOfficerUS/State0MI
IRS990/AddressPrincipalOfficerUS/ZIPCode049779
IRS990/Advertising/Total075860
IRS990/AllAffiliatesIncluded0false
IRS990/AllOtherExpenses/Total098734
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/AuditCommittee0true
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsToMembers/Total00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0924125
IRS990/CashNonInterestBearing/EOY0712265
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total0146801
IRS990/CompDisqualPersons/Total00
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total00
IRS990/ConflictOfInterestPolicy0true
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/AddressLine10600 28th St SE
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/City0Grand Rapids
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/State0MI
IRS990/ContractorCompensation/AddressOfContractor/AddressUS/ZIPCode048456
IRS990/ContractorCompensation/DescriptionOfServices0Data Processing
IRS990/ContractorCompensation/NameOfContractor/NameBusiness/BusinessNameLine10CU Answers
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0false
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total0113944
IRS990/DescribedIn501C30false
IRS990/Description0The 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 8,131.
IRS990/DisregardedEntity0false
IRS990/DistributionToDonor0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/EscrowAccount0false
IRS990/ExcessBenefitTransaction0false
IRS990/ExcessBusinessHoldings0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total030748
IRS990/FeesForServicesInvstMgmntFees/Total011122
IRS990/FeesForServicesLegal/Total00
IRS990/FeesForServicesLobbying/Total00
IRS990/FeesForServicesManagement/Total00
IRS990/FeesForServicesOther/Total00
IRS990/FeesForServicesProfFundraising/Total00
IRS990/FiledLieu10410false
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignGrants/Total00
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek51.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek61.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek740.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek840.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated00.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated10.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated20.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated30.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated40.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated50.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated60.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated70.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated80.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/NamePerson0Mary Krueger
IRS990/Form990PartVIISectionA/NamePerson1Dennis S Lyk
IRS990/Form990PartVIISectionA/NamePerson2Richard Kieliszewski
IRS990/Form990PartVIISectionA/NamePerson3Mark Karsten
IRS990/Form990PartVIISectionA/NamePerson4Donald K White
IRS990/Form990PartVIISectionA/NamePerson5Mike Vogler
IRS990/Form990PartVIISectionA/NamePerson6Anne M Wirgau
IRS990/Form990PartVIISectionA/NamePerson7Gary Altman
IRS990/Form990PartVIISectionA/NamePerson8Barbara Mills
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization763507
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization883294
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/Title0Director
IRS990/Form990PartVIISectionA/Title1Director
IRS990/Form990PartVIISectionA/Title2Director
IRS990/Form990PartVIISectionA/Title3Secretary
IRS990/Form990PartVIISectionA/Title4Treasurer
IRS990/Form990PartVIISectionA/Title5Vice President
IRS990/Form990PartVIISectionA/Title6President
IRS990/Form990PartVIISectionA/Title7COO
IRS990/Form990PartVIISectionA/Title8CEO
IRS990/Form990ProvidedToGoverningBody0false
IRS990/FormersListed0false
IRS990/FSAudited0true
IRS990/FSAuditedBasis/FinancialStatementSeparate0X
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToDomesticIndividuals/Total00
IRS990/GrantsToDomesticOrgs/Total00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts02547485
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total0158143
IRS990/Insurance/Total037775
IRS990/IntangibleAssets/EOY00
IRS990/Interest/Total0245598
IRS990/InventoriesForSaleOrUse/EOY00
IRS990/InvestmentIncomeCurrentYear0348131
IRS990/InvestmentIncomePriorYear0376195
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0348131
IRS990/InvestmentIncome/TotalRevenueColumn0348131
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY014585002
IRS990/InvestmentsOtherSecurities/EOY014064225
IRS990/InvestmentsProgramRelated/EOY00
IRS990/InvestmentsPubTradedSecurities/EOY00
IRS990/InvestTaxExemptBonds0false
IRS990/LandBldgEquipmentAccumDeprec01228967
IRS990/LandBuildingsEquipmentBasis03175865
IRS990/LandBuildingsEquipmentBasisNet/BOY01973303
IRS990/LandBuildingsEquipmentBasisNet/EOY01946898
IRS990/LicensedMoreThanOneState0false
IRS990/LoanToOfficerOrDQP0true
IRS990/LobbyingActivities0false
IRS990/LocalChapters0true
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MiscellaneousRevenue/TotalRevenueColumn03756
IRS990/MiscellaneousRevenue/UnrelatedBusinessRevenue03756
IRS990/MissionDescription0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0Barbara Mills
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY05349908
IRS990/NetAssetsOrFundBalancesEOY06556951
IRS990/NetGainOrLossInvestments/TotalRevenueColumn00
IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn00
IRS990/NetIncomeFromGaming/TotalRevenueColumn00
IRS990/NetIncomeOrLoss/TotalRevenueColumn00
IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn00
IRS990/NetUnrelatedBusinessTxblIncome020458
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109601714
IRS990/NumberIndependentVotingMembers07
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees023
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total091644
IRS990/OfficeExpenses/Total093926
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/OnBehalfOfIssuer0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0985728
IRS990/OtherAssetsTotal/EOY0993329
IRS990/OtherEmployeeBenefits/Total06192
IRS990/OtherExpensePriorYear01363646
IRS990/OtherExpensesCurrentYear01489863
IRS990/OtherExpenses/Description0Provision for Loan Losses
IRS990/OtherExpenses/Description1ATM Expense
IRS990/OtherExpenses/Description2VISA Expense
IRS990/OtherExpenses/Description3Other Operating Expenses
IRS990/OtherExpenses/Total068985
IRS990/OtherExpenses/Total1106510
IRS990/OtherExpenses/Total2135455
IRS990/OtherExpenses/Total3221419
IRS990/OtherLiabilities/BOY042506579
IRS990/OtherLiabilities/EOY045789889
IRS990/OtherNotesLoansReceivableNet/BOY023949563
IRS990/OtherNotesLoansReceivableNet/EOY027054337
IRS990/OtherRevenueCurrentYear048559
IRS990/OtherRevenueMisc/BusinessCode0525990
IRS990/OtherRevenueMisc/BusinessCode1524298
IRS990/OtherRevenueMisc/BusinessCode2524298
IRS990/OtherRevenueMisc/Description0Non-Member ATM Fees
IRS990/OtherRevenueMisc/Description1Insurance Handling Fees
IRS990/OtherRevenueMisc/Description2GAP Insurance Income
IRS990/OtherRevenueMisc/TotalRevenueColumn09998
IRS990/OtherRevenueMisc/TotalRevenueColumn125860
IRS990/OtherRevenueMisc/TotalRevenueColumn28945
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue09998
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue125860
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue28945
IRS990/OtherRevenuePriorYear034056
IRS990/OtherSalariesAndWages/Total0414309
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total00
IRS990/PayrollTaxes/Total052807
IRS990/PensionPlanContributions/Total060830
IRS990/PledgesAndGrantsReceivable/EOY00
IRS990/PoliciesReferenceChapters0true
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY049168
IRS990/PrepaidExpensesDeferredCharges/EOY083706
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3522100
IRS990/ProgramServiceRevenue/BusinessCode4522100
IRS990/ProgramServiceRevenueCY02150795
IRS990/ProgramServiceRevenue/Description0VISA Interchange Income
IRS990/ProgramServiceRevenue/Description1Share Draft Income
IRS990/ProgramServiceRevenue/Description2Income from Loans
IRS990/ProgramServiceRevenue/Description3Fees and Charges
IRS990/ProgramServiceRevenue/Description4Debit Interchange Income
IRS990/ProgramServiceRevenuePriorYear02017264
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome082898
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome1171738
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome21543259
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome3204230
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome4106497
IRS990/ProgramServiceRevenue/TotalRevenueColumn082898
IRS990/ProgramServiceRevenue/TotalRevenueColumn1171738
IRS990/ProgramServiceRevenue/TotalRevenueColumn21543259
IRS990/ProgramServiceRevenue/TotalRevenueColumn3204230
IRS990/ProgramServiceRevenue/TotalRevenueColumn4106497
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReceivablesFromDisqualPersons/EOY00
IRS990/ReceivablesFromOfficersEtc/EOY00
IRS990/ReconcilationRevenueExpenses0376683
IRS990/ReconciliationUnrealizedInvest0830360
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0true
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY05349908
IRS990/RetainedEarningsEndowmentEtc/EOY06556951
IRS990/RevenuesLessExpensesCY0376683
IRS990/RevenuesLessExpensesPriorYear0413873
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear0680939
IRS990/SalariesEtcPriorYear0649996
IRS990/SavingsAndTempCashInvestments/BOY06259211
IRS990/SavingsAndTempCashInvestments/EOY08130976
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue01145570
IRS990ScheduleD/Buildings/Depreciation0676317
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis01821887
IRS990ScheduleD/Land/BookValue0542708
IRS990ScheduleD/Land/OtherCostOrOtherBasis0542708
IRS990ScheduleD/LeaseholdImprovements/BookValue051393
IRS990ScheduleD/LeaseholdImprovements/Depreciation085431
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0136824
IRS990ScheduleD/OtherLandBuildings/BookValue0207227
IRS990ScheduleD/OtherLandBuildings/Depreciation0467219
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0674446
IRS990ScheduleD/OtherLiabilities/Amount024342356
IRS990ScheduleD/OtherLiabilities/Amount121447533
IRS990ScheduleD/OtherLiabilities/Description0Member Share Accounts
IRS990ScheduleD/OtherLiabilities/Description1Member Deposit Accounts
IRS990ScheduleD/TotalOfAmounts045789889
IRS990ScheduleD/TotalOfBookValueLandBuildings01946898
IRS990ScheduleD/TotalOfBookValueSecurities014064225
IRS990/ScheduleJRequired0false
IRS990ScheduleL/LoanTable/ApprovedByBoard0true
IRS990ScheduleL/LoanTable/Default0false
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NameBusiness/BusinessNameLine10NA per 2012 Instructions
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleO/GeneralExplanation/Explanation0Credit 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/Explanation1Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/GeneralExplanation/Explanation2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Credit Committee.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10478 North Third Street
IRS990/TheBooksAreInCareOf/AddressUS/City0Rogers City
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode049779
IRS990/TheBooksAreInCareOf/NamePerson0Barbara Mills
IRS990/TheBooksAreInCareOf/TelephoneNumber09897344130
IRS990/TotalAssets/BOY048726100
IRS990/TotalAssetsBOY048726100
IRS990/TotalAssets/EOY052985736
IRS990/TotalAssetsEOY052985736
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear02170802
IRS990/TotalExpensesPriorYear02013642
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total02170802
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI048559
IRS990/TotalLiabilities/BOY043376192
IRS990/TotalLiabilitiesBOY043376192
IRS990/TotalLiabilities/EOY046428785
IRS990/TotalLiabilitiesEOY046428785
IRS990/TotalLiabNetAssetsFundBalances/BOY048726100
IRS990/TotalLiabNetAssetsFundBalances/EOY052985736
IRS990/TotalNbrEmployees023
IRS990/TotalNbrVolunteers09
IRS990/TotalNetAssetsFundBalances/BOY05349908
IRS990/TotalNetAssetsFundBalances/EOY06556951
IRS990/TotalOtherRevenue048559
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome042173
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn042173
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue02150795
IRS990/TotalReportableCompFromOrg0146801
IRS990/TotalRevenueCurrentYear02547485

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$52,985,736
Liabilities
$46,428,785
Net assets
$6,556,951
Revenue
-
Expenses
$2,170,802
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$127$116$10.8$5.02$3.80$1.22
2021Detailed filing. Detailed filing data is available for this year.$121$109$12.3$4.26$3.37$0.89
2020Detailed filing. Detailed filing data is available for this year.$99.8$87.7$12.1$3.94$3.09$0.85
2019Detailed filing. Detailed filing data is available for this year.$82.2$71.3$10.9$3.91$2.95$0.97
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$77.3$68.0$9.29$3.65$2.77$0.88
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$73.3$64.7$8.56$3.29$2.58$0.72
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.4$60.5$7.95$2.99$2.36$0.63
2015Detailed filing. Detailed filing data is available for this year.$63.3$55.8$7.52$2.75$2.27$0.48
2014Detailed filing. Detailed filing data is available for this year.$59.0$51.9$7.09$2.63$2.13$0.50
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$56.3$49.8$6.56$2.59$2.22$0.37
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.0$46.4$6.56$2.17
2012Summary only. Only limited summary data is available for this year.$53.0$46.4$6.56$2.55$2.17$0.38
2011Summary only. Only limited summary data is available for this year.$48.7$43.4$5.35$2.43$2.01$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.3$37.8$5.53$2.14