Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2019 • EIN 38-1710121

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 18, 2020

Organization Profilewww.calcitecu.com
478 North Third StreetRogers City, MI 49779

(989) 734-4130

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

37th percentile

0.87x

Higher debt load relative to assets than 37% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

64th percentile

18.21x

Higher debt load relative to revenue than 64% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

92nd percentile

25%

Higher net margin than 92% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

65th percentile

$161,542

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

74th percentile

6.3%

Faster asset growth than 74% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

53rd percentile

7.3%

Faster revenue growth than 53% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$82,151,047

Up $4,884,490 (+6.3%) from 2018

Net Assets

Up

$10,866,400

Up $1,574,245 (+17%) from 2018

Liabilities

Up

$71,284,647

Up $3,310,245 (+4.9%) from 2018

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin92nd percentile

Revenue

Up

$3,914,279

Up $265,244 (+7.3%) from 2018

Expenses

Up

$2,945,378

Up $176,559 (+6.4%) from 2018

Net Income

Up

$968,901

Up $88,685 (+10%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth74th percentile

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 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

2019

Assets$82,151,047
Liabilities$71,284,647
Net Assets$10,866,400
Open 2019 Filing

Operations Trend

Revenue Growth53rd percentile

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: $413,8732011Revenue 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

2019

Revenue$3,914,279
Expenses$2,945,378
Net Income$968,901
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 18, 2020
Return Version
2019v5.0
Gross Receipts
$3,914,279
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$40,815,207$44,131,659▲ $3,316,452
Investments in Publicly Traded Securities$19,773,204$18,512,328▼ $1,260,876
Savings and Temporary Cash Investments$11,283,565$13,842,718▲ $2,559,153
Rtn Earn Endowment Incm Other Fnds$9,292,155$10,866,400▲ $1,574,245
Land, Buildings, and Equipment, Net$1,619,916$1,641,103▲ $21,187
Investments Other Securities$1,458,586$1,630,488▲ $171,902
Cash and Non-Interest-Bearing Accounts$1,147,227$1,320,655▲ $173,428
Accounts Receivable$106,068$0▼ $106,068
Prepaid Expenses and Deferred Charges$93,471$93,317▼ $154
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$77,266,557$82,151,047▲ $4,884,490
Other Assets Total$969,313$978,779▲ $9,466
Liabilities
Other Liabilities$66,323,422$69,738,102▲ $3,414,680
Accounts Payable and Accrued Expenses$1,650,980$1,546,545▼ $104,435
Total Liabilities$67,974,402$71,284,647▲ $3,310,245
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,292,155$10,866,400▲ $1,574,245
Total Liabilities and Net Assets / Fund Balance$77,266,557$82,151,047▲ $4,884,490

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$914,858$1,062,653$1,977,511
Other Land Buildings$140,733$714,319$855,052
Land$542,708-$542,708
Leasehold Improvements$42,804$114,358$157,162
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Barbara MillsCEOFT$138,052$23,490$161,542
Gary AltmanCOOFT$87,776$30,427$118,203

Board Members and Trustees

NameTitle
Scott McLennanPresident
Anne M WirgauVice President
Mike VoglerBoard Member
Gloria AdrianDirector
Melissa GoodrichDirector
Mark KarstenSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
CU AnswersData Processing6000 28th St SE, Grand Rapids, MI 48456$301,386
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,126,086
Investment Income
$788,193
Other Revenue
$0
Change in Net Assets
$968,901
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,779,848
Salaries, Compensation, and Employee Benefits$1,165,530
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$648,771
Current Officers, Directors, Trustees, and Key Employees---$279,745
Interest---$223,608
Office Expenses---$219,502
Information Technology---$214,691
All Other Expenses---$194,164
Occupancy---$117,625
Depreciation Depletion---$115,368
Other Employee Benefits---$99,319
Advertising---$97,001
Payroll Taxes---$72,322
Pension Plan Contributions---$65,373
Other Expenses---$63,288
Travel---$43,617
Insurance---$36,797
Fees for Services Accounting---$19,231
Fees for Service Investment Mgmnt Fees---$12,860
Total Functional Expenses$0$0$0$2,945,378
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares$69,738,102
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Section 501c(14) Credit Union is composed of members.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Credit Committee.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Calcite Credit Union
EIN
38-1710121
Phone
9897344130
Address
478 North Third Street, Rogers City, MI 49779

Signing Officer

Name
Barbara Mills
Title
CEO
Signed
2020-06-18
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
26
Volunteers
9

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Raw XML AppendixShowing 400 of 403 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.

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IRS990/PayrollTaxesGrp/TotalAmt072322
IRS990/PensionPlanContributionsGrp/TotalAmt065373
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt093471
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt093317
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc1Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc2Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/Desc4Share Draft Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0106878
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12326647
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2390607
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3155275
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4128268
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0120234
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12326647
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2390607
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3160330
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4128268
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt013356
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt15055
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2019 was 6,045.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0727532
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01679490
IRS990/PYOtherRevenueAmt019724
IRS990/PYProgramServiceRevenueAmt02901779
IRS990/PYRevenuesLessExpensesAmt0880216
IRS990/PYSalariesCompEmpBnftPaidAmt01089329
IRS990/PYTotalExpensesAmt02768819
IRS990/PYTotalRevenueAmt03649035
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0968901
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09292155
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010866400
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011283565
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013842718
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0914858
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01062653
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01977511
IRS990ScheduleD/LandGrp/BookValueAmt0542708
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0542708
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt042804
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0114358
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0157162
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0140733
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0714319
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0855052
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt069738102
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01641103
IRS990ScheduleD/TotalLiabilityAmt069738102
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0138052
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt015388
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt08102
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Barbara Mills
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0161542
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Credit Committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Credit 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/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt077266557
IRS990/TotalAssetsEOYAmt082151047
IRS990/TotalAssetsGrp/BOYAmt077266557
IRS990/TotalAssetsGrp/EOYAmt082151047
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02945378
IRS990/TotalGrossUBIAmt018411
IRS990/TotalLiabilitiesBOYAmt067974402
IRS990/TotalLiabilitiesEOYAmt071284647
IRS990/TotalLiabilitiesGrp/BOYAmt067974402
IRS990/TotalLiabilitiesGrp/EOYAmt071284647
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09292155
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010866400
IRS990/TotalOtherCompensationAmt053917
IRS990/TotalProgramServiceRevenueAmt03126086
IRS990/TotalReportableCompFromOrgAmt0225828
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03895868
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03914279
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt018411
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt077266557
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt082151047
IRS990/TravelGrp/TotalAmt043617
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0478 North Third Street
IRS990/USAddress/CityNm0Rogers City
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049779
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.calcitecu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Barbara Mills
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-06-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Calcite Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0CALC
ReturnHeader/Filer/EIN0381710121
ReturnHeader/Filer/PhoneNum09897344130
ReturnHeader/Filer/USAddress/AddressLine1Txt0478 North Third Street
ReturnHeader/Filer/USAddress/CityNm0Rogers City
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049779
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Patrick Haughey
ReturnHeader/ReturnTs02020-06-18T08:12:05-07:00
ReturnHeader/ReturnTypeCd0990

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$82,151,047
Liabilities
$71,284,647
Net assets
$10,866,400
Revenue
$3,914,279
Expenses
$2,945,378
Net income
$968,901
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
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
Peer Organizations

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