Civic Intelligence

Calcite Credit Union

EIN 38-1710121 • 501(c)14 • Rogers City, MI

Profile

Provide financial services and products to members.

478 North Third StreetRogers City, MI 49779

www.calcitecu.com

Siviq Scores

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

Liabilities / Assets

80th percentile

0.92x

Higher debt load relative to assets than 80% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

98th percentile

23.13x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

88th percentile

24%

Higher net margin than 88% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

94th percentile

$486,374

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 9.7% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Asset Growth

70th percentile

4.9%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

70th percentile

18%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$126,826,466

Up $5,956,562 (+4.9%) from 2021

Liabilities

Up

$116,073,085

Up $7,544,689 (+7.0%) from 2021

Net Assets

Down

$10,753,381

Down $1,588,127 (-13%) from 2021

Operations
Liabilities / Revenue98th percentileNet Margin88th percentile

Revenue

Up

$5,018,652

Up $759,392 (+18%) from 2021

Expenses

Up

$3,802,751

Up $434,896 (+13%) from 2021

Net Income

Up

$1,215,901

Up $324,496 (+36%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

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

$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

2022

Assets$126,826,466
Liabilities$116,073,085
Net Assets$10,753,381
Open 2022 Filing

Operations Trend

Revenue Growth70th percentile

Revenue, expenses, and net income by year, with the latest 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

2022

Revenue$5,018,652
Expenses$3,802,751
Net Income$1,215,901
Open 2022 Filing

Filings

Most recent year

2022 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$126,826,466
Liabilities
$116,073,085
Net assets
$10,753,381
Revenue
$5,018,652
Expenses
$3,802,751
Net income
$1,215,901
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
Latest Detailed Filing

The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 16, 2022
Return Version
2021v4.0
Gross Receipts
$5,419,614
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$46,336,992$48,921,848▲ $2,584,856
Investments in Publicly Traded Securities$21,386,088$33,958,398▲ $12,572,310
Savings and Temporary Cash Investments$25,803,893$32,201,390▲ $6,397,497
Rtn Earn Endowment Incm Other Fnds$12,144,035$12,341,508▲ $197,473
Land, Buildings, and Equipment, Net$1,574,214$1,517,245▼ $56,969
Cash and Non-Interest-Bearing Accounts$1,349,533$1,314,958▼ $34,575
Investments Other Securities$1,661,851$1,178,540▼ $483,311
Accounts Receivable$95,538$211,000▲ $115,462
Prepaid Expenses and Deferred Charges$526,278$88,969▼ $437,309
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$99,822,942$120,869,904▲ $21,046,962
Other Assets Total$1,088,555$1,477,556▲ $389,001
Liabilities
Other Liabilities$86,166,245$106,996,183▲ $20,829,938
Accounts Payable and Accrued Expenses$1,512,662$1,532,213▲ $19,551
Total Liabilities$87,678,907$108,528,396▲ $20,849,489
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,144,035$12,341,508▲ $197,473
Total Liabilities and Net Assets / Fund Balance$99,822,942$120,869,904▲ $21,046,962

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$826,756$1,150,755$1,977,511
Other Land Buildings$125,895$802,001$927,896
Land$542,708-$542,708
Leasehold Improvements$21,886$122,938$144,824
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Barbara MillsCEOFT$113,609$446,338$559,947
Gary AltmanCOOFT$98,463$36,086$134,549
Matthew MertzCFOFT$53,154$4,993$58,147

Board Members and Trustees

NameTitle
Scott McLennanChairperson
Anne M WirgauVice President
Dennis LykDirector
Gloria AdrianDirector
Melissa GoodrichDirector
Mark KarstenSecretary
Joseph HefeleTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CU AnswersData Processing6000 28th St SE, Grand Rapids, MI 48456$298,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,459,848
Investment Income
$799,412
Other Revenue
$0
Change in Net Assets
$891,405
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,958,864
Salaries, Compensation, and Employee Benefits$1,408,991
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$740,664
Current Officers, Directors, Trustees, and Key Employees---$382,848
Office Expenses---$252,560
Interest---$231,392
Information Technology---$215,793
Other Employee Benefits---$121,150
Advertising---$116,072
Depreciation Depletion---$112,840
Occupancy---$110,850
All Other Expenses---$92,411
Payroll Taxes---$86,563
Pension Plan Contributions---$77,766
Fees for Services Other---$63,706
Other Expenses---$47,720
Insurance---$38,526
Travel---$35,832
Fees for Services Accounting---$28,520
Fees for Service Investment Mgmnt Fees---$13,092
Total Functional Expenses$0$0$0$3,367,855
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$106,996,183
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-TE 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
2022-05-16
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
32
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 430 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01512662
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01532213
IRS990/AccountsReceivableGrp/BOYAmt095538
IRS990/AccountsReceivableGrp/EOYAmt0211000
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Provide financial services and products to members.
IRS990/AdvertisingGrp/TotalAmt0116072
IRS990/AllOtherExpensesGrp/TotalAmt092411
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Matthew Mertz
IRS990/BooksInCareOfDetail/PhoneNum09897344130
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0478 North Third Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Rogers City
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049779
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01349533
IRS990/CashNonInterestBearingGrp/EOYAmt01314958
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0382848
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0298500
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06000 28th St SE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Grand Rapids
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd048456
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CU Answers
IRS990/ContractorCompensationGrp/ServicesDesc0Data Processing
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0799412
IRS990/CYOtherExpensesAmt01958864
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03459848
IRS990/CYRevenuesLessExpensesAmt0891405
IRS990/CYSalariesCompEmpBnftPaidAmt01408991
IRS990/CYTotalExpensesAmt03367855
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04259260
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0112840
IRS990/Desc0The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2021 was 9,363.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt032
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt028520
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt063706
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt013092
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt029034
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt136086
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt24993
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Barbara Mills
IRS990/Form990PartVIISectionAGrp/PersonNm1Gary Altman
IRS990/Form990PartVIISectionAGrp/PersonNm2Matthew Mertz
IRS990/Form990PartVIISectionAGrp/PersonNm3Anne M Wirgau
IRS990/Form990PartVIISectionAGrp/PersonNm4Joseph Hefele
IRS990/Form990PartVIISectionAGrp/PersonNm5Melissa Goodrich
IRS990/Form990PartVIISectionAGrp/PersonNm6Mark Karsten
IRS990/Form990PartVIISectionAGrp/PersonNm7Dennis Lyk
IRS990/Form990PartVIISectionAGrp/PersonNm8Scott McLennan
IRS990/Form990PartVIISectionAGrp/PersonNm9Gloria Adrian
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1COO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01961
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt02561
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01162915
IRS990/GrossReceiptsAmt05419614
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0215793
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IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0231392
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt033958398
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt01517245
IRS990/LandBldgEquipCostOrOtherBssAmt03592939
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01160354
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt012144035
IRS990/NetAssetsOrFundBalancesEOYAmt012341508
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt02561
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02561
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt02685
IRS990/NetUnrlzdGainsLossesInvstAmt0-693932
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0110850
IRS990/OfficeExpensesGrp/TotalAmt0252560
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01088555
IRS990/OtherAssetsTotalGrp/EOYAmt01477556
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0121150
IRS990/OtherExpensesGrp/Desc0Visa/Mastercard expense
IRS990/OtherExpensesGrp/Desc1Atm Expense
IRS990/OtherExpensesGrp/Desc2Loan Expense
IRS990/OtherExpensesGrp/Desc3Postage and Shipping
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IRS990/OtherExpensesGrp/TotalAmt1214775
IRS990/OtherExpensesGrp/TotalAmt2150266
IRS990/OtherExpensesGrp/TotalAmt347720
IRS990/OtherLiabilitiesGrp/BOYAmt086166245
IRS990/OtherLiabilitiesGrp/EOYAmt0106996183
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0740664
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt046336992
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt048921848
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt086563
IRS990/PensionPlanContributionsGrp/TotalAmt077766
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0526278
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt088969
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
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IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc1Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc2Insurance Income
IRS990/ProgramServiceRevenueGrp/Desc3Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc4Share Draft Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0253513
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12493276
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt250775
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3564946
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt474701
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12493276
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt257069
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3564946
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt474701
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt016343
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt16294
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 12/31/2021 was 6,034.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0712400
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01771219
IRS990/PYProgramServiceRevenueAmt03229503
IRS990/PYRevenuesLessExpensesAmt0849800
IRS990/PYSalariesCompEmpBnftPaidAmt01320884
IRS990/PYTotalExpensesAmt03092103
IRS990/PYTotalRevenueAmt03941903
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0891405
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012144035
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012341508
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025803893
IRS990/SavingsAndTempCashInvstGrp/EOYAmt032201390
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0826756
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01150755
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01977511
IRS990ScheduleD/LandGrp/BookValueAmt0542708
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0542708
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt021886
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0122938
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0144824
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0125895
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0802001
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0927896
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0106996183
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01517245
IRS990ScheduleD/TotalLiabilityAmt0106996183
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0113609
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount035174
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt017890
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt011144
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0382130
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Barbara Mills
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0559947
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-TE 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
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt099822942
IRS990/TotalAssetsEOYAmt0120869904
IRS990/TotalAssetsGrp/BOYAmt099822942
IRS990/TotalAssetsGrp/EOYAmt0120869904
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt032
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03367855
IRS990/TotalGrossUBIAmt022637
IRS990/TotalLiabilitiesBOYAmt087678907
IRS990/TotalLiabilitiesEOYAmt0108528396
IRS990/TotalLiabilitiesGrp/BOYAmt087678907
IRS990/TotalLiabilitiesGrp/EOYAmt0108528396
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012144035
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012341508
IRS990/TotalOtherCompensationAmt070113
IRS990/TotalProgramServiceRevenueAmt03459848
IRS990/TotalReportableCompFromOrgAmt0682530
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04236623
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04259260
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt022637
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt099822942
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0120869904
IRS990/TravelGrp/TotalAmt035832
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/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1

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