Civic Intelligence

First Area Credit Union

EIN 38-1719216 • 501(c)14 • Saginaw, MI

View Organization Page

Profile

Your financial partner providing personal community and innovative service

193 Campbell LaneSaginaw, MI 48609

www.firstareacu.com

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

21.33x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

16th percentile

-4.0%

Higher net margin than 16% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

57th percentile

$123,631

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 7.0% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

24th percentile

-3.1%

Faster asset growth than 24% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

55th percentile

11%

Faster revenue growth than 55% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$40,090,569

Down $1,279,657 (-3.1%) from 2023

Liabilities

Down

$37,407,336

Down $1,597,264 (-4.1%) from 2023

Net Assets

Up

$2,683,233

Up $317,607 (+13%) from 2023

Operations
Liabilities / Revenue82nd percentileNet Margin16th percentile

Revenue

Up

$1,753,671

Up $170,227 (+11%) from 2023

Expenses

Up

$1,824,125

Up $315,875 (+21%) from 2023

Net Income

Down

-$70,454

Down $145,648 (-194%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$60M$40M$20M$0Assets 2010: $24,984,493Liabilities 2010: $22,398,174Net Assets 2010: $2,586,3192010Assets 2011: $26,201,569Liabilities 2011: $23,424,035Net Assets 2011: $2,777,5342011Assets 2012: $26,508,753Liabilities 2012: $23,535,780Net Assets 2012: $2,972,9732012Assets 2013: $28,075,070Liabilities 2013: $24,958,938Net Assets 2013: $3,116,1322013Assets 2014: $27,733,904Liabilities 2014: $24,518,256Net Assets 2014: $3,215,6482014Assets 2015: $28,633,332Liabilities 2015: $25,319,105Net Assets 2015: $3,314,2272015Assets 2016: $29,716,297Liabilities 2016: $26,358,064Net Assets 2016: $3,358,2332016Assets 2017: $29,873,172Liabilities 2017: $26,484,199Net Assets 2017: $3,388,9732017Assets 2018: $30,180,529Liabilities 2018: $26,794,678Net Assets 2018: $3,385,8512018Assets 2019: $30,454,906Liabilities 2019: $26,762,717Net Assets 2019: $3,692,1892019Assets 2020: $38,389,981Liabilities 2020: $34,551,916Net Assets 2020: $3,838,0652020Assets 2021: $44,790,042Liabilities 2021: $41,406,939Net Assets 2021: $3,383,1032021Assets 2022: $44,580,717Liabilities 2022: $42,647,272Net Assets 2022: $1,933,4452022Assets 2023: $41,370,226Liabilities 2023: $39,004,600Net Assets 2023: $2,365,6262023Assets 2024: $40,090,569Liabilities 2024: $37,407,336Net Assets 2024: $2,683,2332024

Highlighted filing

2024

Assets$40,090,569
Liabilities$37,407,336
Net Assets$2,683,233
Open 2024 Filing

Operations Trend

Revenue Growth55th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,187,3542010Expenses 2011: $1,042,6772011Expenses 2012: $1,062,7222012Revenue 2013: $1,211,176Expenses 2013: $1,039,596Net Income 2013: $171,5802013Revenue 2014: $1,171,897Expenses 2014: $1,055,066Net Income 2014: $116,8312014Revenue 2015: $1,219,660Expenses 2015: $1,139,928Net Income 2015: $79,7322015Revenue 2016: $1,305,473Expenses 2016: $1,223,397Net Income 2016: $82,0762016Revenue 2017: $1,409,544Expenses 2017: $1,383,193Net Income 2017: $26,3512017Revenue 2018: $1,485,590Expenses 2018: $1,375,981Net Income 2018: $109,6092018Revenue 2019: $1,530,202Expenses 2019: $1,435,962Net Income 2019: $94,2402019Revenue 2020: $1,408,913Expenses 2020: $1,333,451Net Income 2020: $75,4622020Revenue 2021: $1,377,061Expenses 2021: $1,369,209Net Income 2021: $7,8522021Revenue 2022: $1,424,449Expenses 2022: $1,267,614Net Income 2022: $156,8352022Revenue 2023: $1,583,444Expenses 2023: $1,508,250Net Income 2023: $75,1942023Revenue 2024: $1,753,671Expenses 2024: $1,824,125Net Income 2024: -$70,4542024

Highlighted filing

2024

Revenue$1,753,671
Expenses$1,824,125
Net Income-$70,454
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$40,090,569
Liabilities
$37,407,336
Net assets
$2,683,233
Revenue
$1,753,671
Expenses
$1,824,125
Net income
-$70,454
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$40.1$37.4$2.68$1.75$1.82$0.07
2023Detailed filing. Detailed filing data is available for this year.$41.4$39.0$2.37$1.58$1.51$0.08
2022Detailed filing. Detailed filing data is available for this year.$44.6$42.6$1.93$1.42$1.27$0.16
2021Detailed filing. Detailed filing data is available for this year.$44.8$41.4$3.38$1.38$1.37$0.01
2020Detailed filing. Detailed filing data is available for this year.$38.4$34.6$3.84$1.41$1.33$0.08
2019Detailed filing. Detailed filing data is available for this year.$30.5$26.8$3.69$1.53$1.44$0.09
2018Detailed filing. Detailed filing data is available for this year.$30.2$26.8$3.39$1.49$1.38$0.11
2017Detailed filing. Detailed filing data is available for this year.$29.9$26.5$3.39$1.41$1.38$0.03
2016Detailed filing. Detailed filing data is available for this year.$29.7$26.4$3.36$1.31$1.22$0.08
2015Detailed filing. Detailed filing data is available for this year.$28.6$25.3$3.31$1.22$1.14$0.08
2014Detailed filing. Detailed filing data is available for this year.$27.7$24.5$3.22$1.17$1.06$0.12
2013Detailed filing. Detailed filing data is available for this year.$28.1$25.0$3.12$1.21$1.04$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.5$23.5$2.97$1.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.2$23.4$2.78$1.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.0$22.4$2.59$1.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 9, 2025
Return Version
2024v5.1
Gross Receipts
$1,753,671
Mission and Program Overview

Mission

Your financial partner providing personal community and innovative service

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,676,813$16,961,639▼ $715,174
Savings and Temporary Cash Investments$7,659,512$11,015,820▲ $3,356,308
Investments in Publicly Traded Securities$13,883,374$9,692,061▼ $4,191,313
Rtn Earn Endowment Incm Other Fnds$2,365,626$2,683,233▲ $317,607
Land, Buildings, and Equipment, Net$964,938$912,578▼ $52,360
Cash and Non-Interest-Bearing Accounts$512,091$861,304▲ $349,213
Investments Other Securities$149,900$149,900→ $0
Prepaid Expenses and Deferred Charges$47,123$65,468▲ $18,345
Accounts Receivable-$0-
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$41,370,226$40,090,569▼ $1,279,657
Other Assets Total$476,475$431,799▼ $44,676
Liabilities
Other Liabilities$38,947,928$37,366,279▼ $1,581,649
Accounts Payable and Accrued Expenses$56,672$41,057▼ $15,615
Total Liabilities$39,004,600$37,407,336▼ $1,597,264
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,365,626$2,683,233▲ $317,607
Total Liabilities and Net Assets / Fund Balance$41,370,226$40,090,569▼ $1,279,657

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$543,439$586,353$1,129,792
Other Land Buildings$206,307$256,464$462,771
Land$138,104-$138,104
Equipment$24,728$67,683$92,411
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lynn MccoyCEOFT$104,215$19,416$123,631

Board Members and Trustees

NameTitle
James Theisen JrChairman
Beverly LumsdenDirector
Linda ParsonDirector
Cari ShanksSecretary
Matthew WurtzelTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,306,370
Investment Income
$454,311
Other Revenue
$-7,010
Change in Net Assets
$-70,454
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,306,629
Salaries, Compensation, and Employee Benefits$517,496
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$448,214
Office Expenses---$442,218
Other Salaries and Wages---$316,276
Current Officers, Directors, Trustees, and Key Employees---$123,631
Advertising---$75,846
Occupancy---$75,079
Information Technology---$72,766
Depreciation Depletion---$63,824
Payroll Taxes---$35,118
Other Employee Benefits---$32,481
Fees for Services Legal---$22,684
Pension Plan Contributions---$9,990
Insurance---$7,871
Travel---$7,801
Other Expenses---$7,608
All Other Expenses---$-10,223
Total Functional Expenses$0$0$0$1,824,125
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Don MccoyCEO'S HUSBANDLawn CareNo$10,025

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$37,366,278
Rounding$1
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“CEO's husband performs lawncare.”

Form 990, Part VI, Section A, Line 6

“Section 501(c)(14) 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
First Area Credit Union
EIN
38-1719216
Phone
9897811430
Address
193 CAMPBELL LANE, SAGINAW, MI 48609

Signing Officer

Name
Lynn Mccoy
Title
CEO
Signed
2025-04-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lynn Mccoy
Formed
1961
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
15
Volunteers
11

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Raw XML Appendix375 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/OtherEmployeeBenefitsGrp/TotalAmt032481
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROF AND OUTSIDE
IRS990/OtherExpensesGrp/Desc2OPERATING
IRS990/OtherExpensesGrp/Desc3MISC
IRS990/OtherExpensesGrp/TotalAmt050766
IRS990/OtherExpensesGrp/TotalAmt134175
IRS990/OtherExpensesGrp/TotalAmt28000
IRS990/OtherExpensesGrp/TotalAmt37608
IRS990/OtherLiabilitiesGrp/BOYAmt038947928
IRS990/OtherLiabilitiesGrp/EOYAmt037366279
IRS990/OtherRevenueMiscGrp/Desc0SALE OF REPO ITEMS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0-7010
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-7010
IRS990/OtherRevenueTotalAmt0-7010
IRS990/OtherSalariesAndWagesGrp/TotalAmt0316276
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt017676813
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016961639
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt035118
IRS990/PensionPlanContributionsGrp/TotalAmt09990
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt047123
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt065468
IRS990/PrincipalOfficerNm0LYNN MCCOY
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0321630
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1980569
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0325801
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1980569
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt04171
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 12/31/2024 WAS 962.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0423758
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01001091
IRS990/PYProgramServiceRevenueAmt01159686
IRS990/PYRevenuesLessExpensesAmt075194
IRS990/PYSalariesCompEmpBnftPaidAmt0507159
IRS990/PYTotalExpensesAmt01508250
IRS990/PYTotalRevenueAmt01583444
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-70454
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02365626
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02683233
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07659512
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011015820
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0543439
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0586353
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01129792
IRS990ScheduleD/EquipmentGrp/BookValueAmt024728
IRS990ScheduleD/EquipmentGrp/DepreciationAmt067683
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt092411
IRS990ScheduleD/LandGrp/BookValueAmt0138104
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0138104
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0206307
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0256464
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0462771
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt137366278
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0912578
IRS990ScheduleD/TotalLiabilityAmt037366279
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0DON MCCOY
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0CEO'S HUSBAND
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt010025
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0LAWN CARE
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CEO's husband performs lawncare.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SECTION 501(C)(14) CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CREDIT 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 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 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/TotalAssetsBOYAmt041370226
IRS990/TotalAssetsEOYAmt040090569
IRS990/TotalAssetsGrp/BOYAmt041370226
IRS990/TotalAssetsGrp/EOYAmt040090569
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01824125
IRS990/TotalGrossUBIAmt04171
IRS990/TotalLiabilitiesBOYAmt039004600
IRS990/TotalLiabilitiesEOYAmt037407336
IRS990/TotalLiabilitiesGrp/BOYAmt039004600
IRS990/TotalLiabilitiesGrp/EOYAmt037407336
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02365626
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02683233
IRS990/TotalOtherCompensationAmt019416
IRS990/TotalProgramServiceRevenueAmt01306370
IRS990/TotalReportableCompFromOrgAmt0104215
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01749500
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01753671
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04171
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt041370226
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt040090569
IRS990/TravelGrp/TotalAmt07801
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0193 CAMPBELL LANE
IRS990/USAddress/CityNm0SAGINAW
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048609
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.FIRSTAREACU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LYNN MCCOY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FIRST AREA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FIRS
ReturnHeader/Filer/EIN0381719216
ReturnHeader/Filer/PhoneNum09897811430
ReturnHeader/Filer/USAddress/AddressLine1Txt0193 CAMPBELL LANE
ReturnHeader/Filer/USAddress/CityNm0SAGINAW
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048609
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/ReturnTs02025-04-09T06:16:32-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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