Civic Intelligence

Credit Union Chartered in the 115

EIN 38-1710394 • 501(c)14 • Lincoln Park, MI

Profile

To Promote Savings Among Our Members, Provide Credit For Productive Purposes and Deliver Secure Technologically Advanced Services.

1400 Emmons BlvdLincoln Park, MI 48146

www.lpccu.coop

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

23.38x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

79th percentile

21%

Higher net margin than 79% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

21st percentile

$119,902

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

36th percentile

-0.2%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

40th percentile

8.0%

Faster revenue growth than 40% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$63,492,002

Down $138,382 (-0.2%) from 2023

Liabilities

Down

$58,182,835

Down $875,812 (-1.5%) from 2023

Net Assets

Up

$5,309,167

Up $737,430 (+16%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin79th percentile

Revenue

Up

$2,488,391

Up $183,282 (+8.0%) from 2023

Expenses

Up

$1,955,409

Up $255,300 (+15%) from 2023

Net Income

Down

$532,982

Down $72,018 (-12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$80M$60M$40M$20M$0Assets 2010: $42,400,937Liabilities 2010: $35,035,526Net Assets 2010: $7,365,4112010Assets 2011: $47,791,214Liabilities 2011: $39,131,408Net Assets 2011: $8,659,8062011Assets 2012: $49,357,650Liabilities 2012: $40,286,524Net Assets 2012: $9,071,1262012Assets 2013: $49,788,798Liabilities 2013: $41,494,070Net Assets 2013: $8,294,7282013Assets 2014: $50,906,591Liabilities 2014: $41,711,194Net Assets 2014: $9,195,3972014Assets 2015: $51,784,994Liabilities 2015: $42,991,097Net Assets 2015: $8,793,8972015Assets 2016: $52,568,738Liabilities 2016: $44,093,813Net Assets 2016: $8,474,9252016Assets 2017: $53,835,976Liabilities 2017: $45,306,809Net Assets 2017: $8,529,1672017Assets 2018: $52,662,632Liabilities 2018: $44,576,679Net Assets 2018: $8,085,9532018Assets 2019: $54,191,785Liabilities 2019: $44,961,083Net Assets 2019: $9,230,7022019Assets 2020: $67,224,435Liabilities 2020: $57,561,888Net Assets 2020: $9,662,5472020Assets 2021: $70,449,889Liabilities 2021: $61,830,448Net Assets 2021: $8,619,4412021Assets 2022: $65,158,400Liabilities 2022: $62,250,297Net Assets 2022: $2,908,1032022Assets 2023: $63,630,384Liabilities 2023: $59,058,647Net Assets 2023: $4,571,7372023Assets 2024: $63,492,002Liabilities 2024: $58,182,835Net Assets 2024: $5,309,1672024

Highlighted filing

2024

Assets$63,492,002
Liabilities$58,182,835
Net Assets$5,309,167
Open 2024 Filing

Operations Trend

Revenue Growth40th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,801,7572010Revenue 2011: $2,253,925Expenses 2011: $1,975,227Net Income 2011: $278,6982011Expenses 2012: $1,942,8432012Revenue 2013: $1,903,343Expenses 2013: $1,657,955Net Income 2013: $245,3882013Revenue 2014: $1,691,878Expenses 2014: $1,590,097Net Income 2014: $101,7812014Revenue 2015: $1,668,383Expenses 2015: $1,630,514Net Income 2015: $37,8692015Revenue 2016: $1,502,575Expenses 2016: $1,669,670Net Income 2016: -$167,0952016Revenue 2017: $1,639,632Expenses 2017: $1,715,478Net Income 2017: -$75,8462017Revenue 2018: $1,887,371Expenses 2018: $1,724,424Net Income 2018: $162,9472018Revenue 2019: $1,828,134Expenses 2019: $1,729,215Net Income 2019: $98,9192019Revenue 2020: $1,792,571Expenses 2020: $1,728,472Net Income 2020: $64,0992020Revenue 2021: $1,731,708Expenses 2021: $1,625,683Net Income 2021: $106,0252021Revenue 2022: $2,035,321Expenses 2022: $1,580,113Net Income 2022: $455,2082022Revenue 2023: $2,305,109Expenses 2023: $1,700,109Net Income 2023: $605,0002023Revenue 2024: $2,488,391Expenses 2024: $1,955,409Net Income 2024: $532,9822024

Highlighted filing

2024

Revenue$2,488,391
Expenses$1,955,409
Net Income$532,982
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$63,492,002
Liabilities
$58,182,835
Net assets
$5,309,167
Revenue
$2,488,391
Expenses
$1,955,409
Net income
$532,982
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$63.5$58.2$5.31$2.49$1.96$0.53
2023Detailed filing. Detailed filing data is available for this year.$63.6$59.1$4.57$2.31$1.70$0.61
2022Detailed filing. Detailed filing data is available for this year.$65.2$62.3$2.91$2.04$1.58$0.46
2021Detailed filing. Detailed filing data is available for this year.$70.4$61.8$8.62$1.73$1.63$0.11
2020Detailed filing. Detailed filing data is available for this year.$67.2$57.6$9.66$1.79$1.73$0.06
2019Detailed filing. Detailed filing data is available for this year.$54.2$45.0$9.23$1.83$1.73$0.10
2018Detailed filing. Detailed filing data is available for this year.$52.7$44.6$8.09$1.89$1.72$0.16
2017Detailed filing. Detailed filing data is available for this year.$53.8$45.3$8.53$1.64$1.72$0.08
2016Detailed filing. Detailed filing data is available for this year.$52.6$44.1$8.47$1.50$1.67$0.17
2015Detailed filing. Detailed filing data is available for this year.$51.8$43.0$8.79$1.67$1.63$0.04
2014Detailed filing. Detailed filing data is available for this year.$50.9$41.7$9.20$1.69$1.59$0.10
2013Detailed filing. Detailed filing data is available for this year.$49.8$41.5$8.29$1.90$1.66$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.4$40.3$9.07$1.94
2011Summary only. Only limited summary data is available for this year.$47.8$39.1$8.66$2.25$1.98$0.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.4$35.0$7.37$1.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 1, 2025
Return Version
2024v5.1
Gross Receipts
$2,488,391
Mission and Program Overview

Mission

To Promote Savings Among Our Members, Provide Credit For Productive Purposes and Deliver Secure Technologically Advanced Services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$38,028,236$36,013,738▼ $2,014,498
Savings and Temporary Cash Investments$11,837,091$13,332,692▲ $1,495,601
Other Notes and Loans Receivable, Net$11,023,467$10,790,426▼ $233,041
Rtn Earn Endowment Incm Other Fnds$4,571,737$5,309,167▲ $737,430
Investments Other Securities$264,268$997,103▲ $732,835
Cash and Non-Interest-Bearing Accounts$772,309$653,188▼ $119,121
Land, Buildings, and Equipment, Net$449,189$456,520▲ $7,331
Accounts Receivable$193,143$221,572▲ $28,429
Prepaid Expenses and Deferred Charges$130,402$63,943▼ $66,459
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$63,630,384$63,492,002▼ $138,382
Other Assets Total$932,279$962,820▲ $30,541
Liabilities
Other Liabilities$58,902,174$58,063,132▼ $839,042
Accounts Payable and Accrued Expenses$156,473$119,703▼ $36,770
Total Liabilities$59,058,647$58,182,835▼ $875,812
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,571,737$5,309,167▲ $737,430
Total Liabilities and Net Assets / Fund Balance$63,630,384$63,492,002▼ $138,382

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$167,346$325,456$492,802
Land$202,287-$202,287
Other Land Buildings$86,887-$86,887
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Crystal HennigCEOFT$109,263$10,639$119,902

Board Members and Trustees

NameTitle
Thomas KarnesChairman
Dennis AndersonDirector
Matthew KaminskiDirector
Patricia LulkoDirector
Robert SteeleDirector
Scott LavisDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv Card ServicesCard Processing4550 SW MACADAM AVE, Portland, OR 97239$176,930
Fiserv GalaxyData Processing5600 CROOKS RD STE 101, Troy, MI 48098$166,389
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$918,071
Investment Income
$1,570,320
Other Revenue
$0
Change in Net Assets
$532,982
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,418,148
Salaries, Compensation, and Employee Benefits$537,261
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$433,861
Office Expenses---$413,368
Other Salaries and Wages---$341,081
Information Technology---$177,913
Current Officers, Directors, Trustees, and Key Employees---$119,902
Occupancy---$67,232
Payroll Taxes---$35,121
Insurance---$32,542
Depreciation Depletion---$29,767
Advertising---$26,779
Pension Plan Contributions---$22,548
Other Employee Benefits---$18,609
Payments to Affiliates---$9,645
Travel---$7,467
Other Expenses---$2,390
Fees for Services Legal---$300
Total Functional Expenses$0$0$0$1,955,409
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
Shares$58,023,432
Other Liabilities$39,700
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Section 501c14 credit union is composed of members.”

Form 990, Part VI, Section A, Line 7A

“Members vote on bylaw and charter changes. Members vote and elect board members at annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Mergers are voted on by entire membership.”

Form 990, Part VI, Section B, Line 11B

“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, Section B, Line 12C

“Employee loans are management approved. Management loans are board approved. Loans to board members are approved by the board minus the lendee.”

Form 990, Part VI, Section B, Line 15A

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

Form 990, Part VI, Section B, Line 15B

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

Form 990, Part VI, Section C, Line 19

“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
Credit Unions Chartered in the 115
EIN
38-1710394
Phone
3133892300
Address
1400 EMMONS BLVD, LINCOLN PARK, MI 48146

Signing Officer

Name
Crystal Hennig
Title
CEO
Signed
2025-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Crystal Hennig
Formed
1936
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
6
Employees
8
Volunteers
6

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Raw XML Appendix396 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/InvestmentsOtherSecuritiesGrp/BOYAmt0264268
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0997103
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt038028236
IRS990/InvestmentsPubTradedSecGrp/EOYAmt036013738
IRS990/IRPDocumentCnt0442
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0325456
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0449189
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0456520
IRS990/LandBldgEquipCostOrOtherBssAmt0781976
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROMOTE SAVINGS AMONG OUR MEMBERS, PROVIDE CREDIT FOR PRODUCTIVE PURPOSES AND DELIVER SECURE TECHNOLOGICALLY ADVANCED SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt04571737
IRS990/NetAssetsOrFundBalancesEOYAmt05309167
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt06107
IRS990/NetUnrlzdGainsLossesInvstAmt0204448
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt067232
IRS990/OfficeExpensesGrp/TotalAmt0413368
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0932279
IRS990/OtherAssetsTotalGrp/EOYAmt0962820
IRS990/OtherEmployeeBenefitsGrp/TotalAmt018609
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PRO SERVICES
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3MISC
IRS990/OtherExpensesGrp/TotalAmt0118132
IRS990/OtherExpensesGrp/TotalAmt187696
IRS990/OtherExpensesGrp/TotalAmt211056
IRS990/OtherExpensesGrp/TotalAmt32390
IRS990/OtherLiabilitiesGrp/BOYAmt058902174
IRS990/OtherLiabilitiesGrp/EOYAmt058063132
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0341081
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011023467
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010790426
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt09645
IRS990/PayrollTaxesGrp/TotalAmt035121
IRS990/PensionPlanContributionsGrp/TotalAmt022548
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0130402
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt063943
IRS990/PrincipalOfficerNm0CRYSTAL HENNIG
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/Desc0FEE AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0406478
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1498745
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0406478
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18176
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2498745
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34672
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt08176
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt14672
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF MEMBER LOANS OUTSTANDING AT 12/31/2024 WAS 1,134.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER ATM/DEBIT CARD PROGRAM, CHECK CASHING, MONEY ORDER, NO SURCHARGE ATMS, NO COST BILL PAYER, OVERDRAFT LINES OF CREDIT, OVERDRAFT PROTECTION.COURTESY PAY, AND VARIOUS INSURANCE PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt01394902
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01183900
IRS990/PYProgramServiceRevenueAmt0910207
IRS990/PYRevenuesLessExpensesAmt0605000
IRS990/PYSalariesCompEmpBnftPaidAmt0516209
IRS990/PYTotalExpensesAmt01700109
IRS990/PYTotalRevenueAmt02305109
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0532982
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04571737
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05309167
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011837091
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013332692
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0167346
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0325456
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0492802
IRS990ScheduleD/LandGrp/BookValueAmt0202287
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0202287
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt086887
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt086887
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt039700
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt158023432
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0456520
IRS990ScheduleD/TotalLiabilityAmt058063132
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CREDIT 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, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt063630384
IRS990/TotalAssetsEOYAmt063492002
IRS990/TotalAssetsGrp/BOYAmt063630384
IRS990/TotalAssetsGrp/EOYAmt063492002
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01955409
IRS990/TotalGrossUBIAmt012848
IRS990/TotalLiabilitiesBOYAmt059058647
IRS990/TotalLiabilitiesEOYAmt058182835
IRS990/TotalLiabilitiesGrp/BOYAmt059058647
IRS990/TotalLiabilitiesGrp/EOYAmt058182835
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04571737
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05309167
IRS990/TotalOtherCompensationAmt010639
IRS990/TotalProgramServiceRevenueAmt0918071
IRS990/TotalReportableCompFromOrgAmt0109263
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02475543
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02488391
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt012848
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt063630384
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt063492002
IRS990/TravelGrp/TotalAmt07467
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01400 EMMONS BLVD
IRS990/USAddress/CityNm0LINCOLN PARK
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd0481463836
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0https://lpccu.coop/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CRYSTAL HENNIG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT UNIONS CHARTERED IN THE 115
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0LINCOLN PARK COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0381710394
ReturnHeader/Filer/PhoneNum03133892300
ReturnHeader/Filer/USAddress/AddressLine1Txt01400 EMMONS BLVD
ReturnHeader/Filer/USAddress/CityNm0LINCOLN PARK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048146
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
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/PreparerPersonNm0Donald E Lingerfelt
ReturnHeader/ReturnTs02025-05-01T06:00:22-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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