Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2011 • EIN 38-1719216

Jan 01, 2011 to Dec 31, 2011 • Filed on May 08, 2012

Organization Profilewww.firstareacu.com

View Organization Page

193 Campbell Lane48609
Siviq Scores

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

Liabilities / Assets

64th percentile

0.89x

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

2011 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

60th percentile

4.9%

Faster asset growth than 60% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$26,201,569

Up $1,217,076 (+4.9%) from 2010

Net Assets

Up

$2,777,534

Up $191,215 (+7.4%) from 2010

Liabilities

Up

$23,424,035

Up $1,025,861 (+4.6%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,042,677

Down $144,677 (-12%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth60th percentile

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

$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

2011

Assets$26,201,569
Liabilities$23,424,035
Net Assets$2,777,534
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2011

Revenue-
Expenses$1,042,677
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 8, 2012
Return Version
2011v1.2
Gross Receipts
$1,241,758
Mission and Program Overview

Mission

Provide financial services and products to members.

Major Activities

Activity 2
The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 1,586.
Filing and Contact Details

Filer

EIN
38-1719216
Raw XML AppendixShowing 400 of 432 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY030099
IRS990/AccountsPayableAccruedExpenses/EOY046340
IRS990/AccountsReceivable/EOY00
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 1,586.
IRS990/ActivityOrMissionDescription0Provide financial services and products to members.
IRS990/Advertising/Total051465
IRS990/AllAffiliatesIncluded0false
IRS990/AllOtherExpenses/Total00
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/AuditCommittee0true
IRS990/BenefitsPaidToMembersCY00
IRS990/BenefitsToMembers/Total00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0623977
IRS990/CashNonInterestBearing/EOY0401937
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total0107332
IRS990/CompDisqualPersons/Total00
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total00
IRS990/ConflictOfInterestPolicy0true
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total080828
IRS990/DescribedIn501C30false
IRS990/Description0The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2011 was 3,801.
IRS990/DisregardedEntity0false
IRS990/DistributionToDonor0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/EscrowAccount0false
IRS990/ExcessBenefitTransaction0false
IRS990/ExcessBusinessHoldings0false
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditPerformed0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total015584
IRS990/FeesForServicesInvstMgmntFees/Total00
IRS990/FeesForServicesLegal/Total09328
IRS990/FeesForServicesLobbying/Total00
IRS990/FeesForServicesManagement/Total00
IRS990/FeesForServicesOther/Total06545
IRS990/FeesForServicesProfFundraising/Total00
IRS990/FiledLieu10410false
IRS990/FinancialStatementSeparate0X
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignGrants/Total00
IRS990/ForeignOffice0false
IRS990/Form720Filed0false
IRS990/Form8886TFiled0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek21.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek41.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek540.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek640.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/NamePerson0John Murphy
IRS990/Form990PartVIISectionA/NamePerson1Gerald Wieneke
IRS990/Form990PartVIISectionA/NamePerson2Anthony Czymbor
IRS990/Form990PartVIISectionA/NamePerson3David Thompson
IRS990/Form990PartVIISectionA/NamePerson4Cari Shanks
IRS990/Form990PartVIISectionA/NamePerson5Lynn McCoy
IRS990/Form990PartVIISectionA/NamePerson6Paula M Miller
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/Title0Director
IRS990/Form990PartVIISectionA/Title1Secretary
IRS990/Form990PartVIISectionA/Title2Treasurer
IRS990/Form990PartVIISectionA/Title3Vice President
IRS990/Form990PartVIISectionA/Title4President
IRS990/Form990PartVIISectionA/Title5COO
IRS990/Form990PartVIISectionA/Title6CEO
IRS990/Form990ProvidedToGoverningBody0true
IRS990/Form990-TFiled0true
IRS990/FormersListed0false
IRS990/FSAudited0true
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToDomesticIndividuals/Total00
IRS990/GrantsToDomesticOrgs/Total00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts01241758
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IndependentAuditFinancialStmt0true
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total011285
IRS990/Insurance/Total01120
IRS990/IntangibleAssets/EOY00
IRS990/Interest/Total0170305
IRS990/InventoriesForSaleOrUse/EOY00
IRS990/InvestmentIncomeCurrentYear069292
IRS990/InvestmentIncomePriorYear070303
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome069292
IRS990/InvestmentIncome/TotalRevenueColumn069292
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY02046072
IRS990/InvestmentsOtherSecurities/EOY01861929
IRS990/InvestmentsProgramRelated/EOY00
IRS990/InvestmentsPubTradedSecurities/EOY00
IRS990/InvestTaxExemptBonds0false
IRS990/LandBldgEquipmentAccumDeprec0522977
IRS990/LandBuildingsEquipmentBasis01710026
IRS990/LandBuildingsEquipmentBasisNet/BOY01217808
IRS990/LandBuildingsEquipmentBasisNet/EOY01187049
IRS990/LicensedMoreThanOneState0false
IRS990/LoanToOfficerOrDQP0true
IRS990/LobbyingActivities0false
IRS990/LocalChapters0true
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MiscellaneousRevenue/TotalRevenueColumn01249
IRS990/MiscellaneousRevenue/UnrelatedBusinessRevenue01249
IRS990/MissionDescription0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
IRS990/NetAssetsOrFundBalancesBOY02586319
IRS990/NetAssetsOrFundBalancesEOY02777534
IRS990/NetGainOrLossInvestments/TotalRevenueColumn00
IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn00
IRS990/NetIncomeFromGaming/TotalRevenueColumn00
IRS990/NetIncomeOrLoss/TotalRevenueColumn00
IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn00
IRS990/NetUnrelatedBusinessTxblIncome0563
IRS990/NoListedPersonsCompensated0X
IRS990/NonDeductibleContributions0false
IRS990/NonDeductibleDisclosure0false
IRS990/NumberFormsTransmittedWith10960784
IRS990/NumberIndependentVotingMembers05
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees016
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total071674
IRS990/OfficeExpenses/Total0152312
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/OnBehalfOfIssuer0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0279462
IRS990/OtherAssetsTotal/EOY0280906
IRS990/OtherEmployeeBenefits/Total034430
IRS990/OtherExpensePriorYear0839584
IRS990/OtherExpensesCurrentYear0675989
IRS990/OtherExpenses/Description0Provision for Loan Losses
IRS990/OtherExpenses/Description1Postage and Shipping
IRS990/OtherExpenses/Description2Other Operating Expenses
IRS990/OtherExpenses/Description3NCUA Stabilization Expense
IRS990/OtherExpenses/Description4Loan Servicing Expenses
IRS990/OtherExpenses/Total0-14483
IRS990/OtherExpenses/Total117000
IRS990/OtherExpenses/Total29024
IRS990/OtherExpenses/Total372000
IRS990/OtherExpenses/Total417398
IRS990/OtherLiabilities/BOY022368075
IRS990/OtherLiabilities/EOY023377695
IRS990/OtherNotesLoansReceivableNet/BOY015464961
IRS990/OtherNotesLoansReceivableNet/EOY016839876
IRS990/OtherRevenueCurrentYear07658
IRS990/OtherRevenueMisc/BusinessCode0524298
IRS990/OtherRevenueMisc/BusinessCode1524298
IRS990/OtherRevenueMisc/BusinessCode2524298
IRS990/OtherRevenueMisc/Description0Insurance Revenues
IRS990/OtherRevenueMisc/Description1GAP Insurance
IRS990/OtherRevenueMisc/Description2Credit Life Disability
IRS990/OtherRevenueMisc/TotalRevenueColumn02024
IRS990/OtherRevenueMisc/TotalRevenueColumn12379
IRS990/OtherRevenueMisc/TotalRevenueColumn22006
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue02024
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue12379
IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue22006
IRS990/OtherRevenuePriorYear05974
IRS990/OtherSalariesAndWages/Total0189109
IRS990/PartialLiquidation0false
IRS990/PaymentsToAffiliates/Total00
IRS990/PayrollTaxes/Total023620
IRS990/PensionPlanContributions/Total012197
IRS990/PledgesAndGrantsReceivable/EOY00
IRS990/PoliciesReferenceChapters0true
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY027473
IRS990/PrepaidExpensesDeferredCharges/EOY037753
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenue/BusinessCode3522100
IRS990/ProgramServiceRevenue/BusinessCode4522100
IRS990/ProgramServiceRevenueCY01164808
IRS990/ProgramServiceRevenue/Description0Share Draft Income
IRS990/ProgramServiceRevenue/Description1Loan Late Fees
IRS990/ProgramServiceRevenue/Description2Income From Loans
IRS990/ProgramServiceRevenue/Description3Fees and Promotional
IRS990/ProgramServiceRevenue/Description4Debit \ ATM Income
IRS990/ProgramServiceRevenuePriorYear01128409
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome082407
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome128576
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome2956422
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome352709
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome436522
IRS990/ProgramServiceRevenue/TotalRevenueColumn082407
IRS990/ProgramServiceRevenue/TotalRevenueColumn128576
IRS990/ProgramServiceRevenue/TotalRevenueColumn2956422
IRS990/ProgramServiceRevenue/TotalRevenueColumn352709
IRS990/ProgramServiceRevenue/TotalRevenueColumn436522
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReceivablesFromDisqualPersons/EOY00
IRS990/ReceivablesFromOfficersEtc/EOY00
IRS990/ReconcilationOtherChanges0-7866
IRS990/ReconcilationRevenueExpenses0199081
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0true
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY02586319
IRS990/RetainedEarningsEndowmentEtc/EOY02777534
IRS990/RevenuesLessExpensesCY0199081
IRS990/RevenuesLessExpensesPriorYear017332
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear0366688
IRS990/SalariesEtcPriorYear0347770
IRS990/SavingsAndTempCashInvestments/BOY05324740
IRS990/SavingsAndTempCashInvestments/EOY05592119
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue0910184
IRS990ScheduleD/Buildings/Depreciation0219608
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis01129792
IRS990ScheduleD/ExcessOrDeficitForYear0199081
IRS990ScheduleD/ExcessOrDeficitPerFS0191215
IRS990ScheduleD/ExpensesSubtotal01042677
IRS990ScheduleD/Land/BookValue0131103
IRS990ScheduleD/Land/OtherCostOrOtherBasis0131103
IRS990ScheduleD/LeaseholdImprovements/BookValue04917
IRS990ScheduleD/LeaseholdImprovements/Depreciation019519
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis024436
IRS990ScheduleD/NetUnrealizedGLOnInvestments0-7866
IRS990ScheduleD/OtherLandBuildings/BookValue0140845
IRS990ScheduleD/OtherLandBuildings/Depreciation0283850
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis0424695
IRS990ScheduleD/OtherLiabilities/Amount015290410
IRS990ScheduleD/OtherLiabilities/Amount18087285
IRS990ScheduleD/OtherLiabilities/Description0Member Share Accounts
IRS990ScheduleD/OtherLiabilities/Description1Member Deposit Accounts
IRS990ScheduleD/RevenueSubtotal01241758
IRS990ScheduleD/TotalAdjustments0-7866
IRS990ScheduleD/TotalExpenses01042677
IRS990ScheduleD/TotalExpensesPerForm99001042677
IRS990ScheduleD/TotalOfAmounts023377695
IRS990ScheduleD/TotalOfBookValueLandBuildings01187049
IRS990ScheduleD/TotalOfBookValueSecurities01861929
IRS990ScheduleD/TotalRevenue01241758
IRS990ScheduleD/TotalRevenuePerForm99001241758
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt01042677
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt01241758
IRS990/ScheduleJRequired0false
IRS990ScheduleL/LoanTable/ApprovedByBoard0true
IRS990ScheduleL/LoanTable/Default0false
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/NamePerson0No loans requiring reporting
IRS990ScheduleL/LoanTable/PurposeOfLoan0per 10/21/11 Instructions
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleO/GeneralExplanation/Explanation0Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
IRS990ScheduleO/GeneralExplanation/Explanation1Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/GeneralExplanation/Explanation2Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/GeneralExplanation/Explanation3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4Mergers are voted on by entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation5Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation6Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0MI
IRS990/SubjectToProxyTax0false
IRS990/TaxableDistributions0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10193 Campbell Lane
IRS990/TheBooksAreInCareOf/AddressUS/City0Saginaw
IRS990/TheBooksAreInCareOf/AddressUS/State0MI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode048609
IRS990/TheBooksAreInCareOf/NamePerson0Paula M Miller
IRS990/TheBooksAreInCareOf/TelephoneNumber09897811430
IRS990/TotalAssets/BOY024984493
IRS990/TotalAssetsBOY024984493
IRS990/TotalAssets/EOY026201569
IRS990/TotalAssetsEOY026201569
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear01042677
IRS990/TotalExpensesPriorYear01187354
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total01042677
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI07658
IRS990/TotalLiabilities/BOY022398174
IRS990/TotalLiabilitiesBOY022398174
IRS990/TotalLiabilities/EOY023424035
IRS990/TotalLiabilitiesEOY023424035
IRS990/TotalLiabNetAssetsFundBalances/BOY024984493
IRS990/TotalLiabNetAssetsFundBalances/EOY026201569
IRS990/TotalNbrEmployees016
IRS990/TotalNbrVolunteers012
IRS990/TotalNetAssetsFundBalances/BOY02586319
IRS990/TotalNetAssetsFundBalances/EOY02777534
IRS990/TotalOtherRevenue07658
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome08172
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn08172
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue01164808
IRS990/TotalRevenueCurrentYear01241758
IRS990/TotalRevenuePriorYear01204686
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome01234100
IRS990/TotalRevenue/TotalRevenueColumn01241758
IRS990/TotalRevenue/UnrelatedBusinessRevenue07658
IRS990/TransactionRelatedEntity0false
IRS990/TransfersToExemptNonChrtblOrg0false
IRS990/TravelEntrtnmntPublicOfficials/Total00
IRS990/Travel/Total04604

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$26,201,569
Liabilities
$23,424,035
Net assets
$2,777,534
Revenue
-
Expenses
$1,042,677
Net income
-
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