Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1719216

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 30, 2015

Organization Profilewww.firstareacu.com

View Organization Page

193 Campbell LaneSaginaw, MI 48609

(989) 781-1430

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.88x

Higher debt load relative to assets than 53% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

56th percentile

20.92x

Higher debt load relative to revenue than 56% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

62nd percentile

10.0%

Higher net margin than 62% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

14th percentile

$64,392

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 5.5% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

27th percentile

-1.2%

Faster asset growth than 27% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

30th percentile

-3.2%

Faster revenue growth than 30% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Down

$27,733,904

Down $341,166 (-1.2%) from 2013

Net Assets

Up

$3,215,648

Up $99,516 (+3.2%) from 2013

Liabilities

Down

$24,518,256

Down $440,682 (-1.8%) from 2013

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin62nd percentile

Revenue

Down

$1,171,897

Down $39,279 (-3.2%) from 2013

Expenses

Up

$1,055,066

Up $15,470 (+1.5%) from 2013

Net Income

Down

$116,831

Down $54,749 (-32%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth27th 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

2014

Assets$27,733,904
Liabilities$24,518,256
Net Assets$3,215,648
Open 2014 Filing

Operations Trend

Revenue Growth30th percentile

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

2014

Revenue$1,171,897
Expenses$1,055,066
Net Income$116,831
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 30, 2015
Return Version
2014v5.0
Gross Receipts
$1,171,897
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,735,455$18,143,960▲ $408,505
Investments Other Securities$2,474,622$4,114,235▲ $1,639,613
Savings and Temporary Cash Investments$5,581,504$3,350,362▼ $2,231,142
Rtn Earn Endowment Incm Other Fnds$3,116,132$3,215,648▲ $99,516
Land, Buildings, and Equipment, Net$1,081,434$1,030,842▼ $50,592
Cash and Non-Interest-Bearing Accounts$873,934$615,734▼ $258,200
Prepaid Expenses and Deferred Charges$37,258$32,629▼ $4,629
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$28,075,070$27,733,904▼ $341,166
Other Assets Total$290,863$446,142▲ $155,279
Liabilities
Other Liabilities$24,947,581$24,497,272▼ $450,309
Accounts Payable and Accrued Expenses$11,357$20,984▲ $9,627
Total Liabilities$24,958,938$24,518,256▼ $440,682
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,116,132$3,215,648▲ $99,516
Total Liabilities and Net Assets / Fund Balance$28,075,070$27,733,904▼ $341,166

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$825,551$304,241$1,129,792
Other Land Buildings$74,188$398,882$473,070
Land$131,103-$131,103
Leasehold Improvements-$24,436$24,436
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lynn McCoyCEOFT$64,392$64,392

Board Members and Trustees

NameTitle
Cari ShanksChairman
David ThompsonVice Chairman
Beverly LumsdenDirector
Gerald WienekeSecretary
Matthew WurtzelTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,105,518
Investment Income
$62,859
Other Revenue
$3,520
Change in Net Assets
$116,831
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$701,736
Salaries, Compensation, and Employee Benefits$353,330
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$216,803
Office Expenses---$104,743
Occupancy---$103,057
Interest---$87,438
Advertising---$65,547
Depreciation Depletion---$65,039
Current Officers, Directors, Trustees, and Key Employees---$64,392
Other Employee Benefits---$39,350
All Other Expenses---$24,185
Payroll Taxes---$23,092
Information Technology---$22,618
Other Expenses---$21,000
Fees for Services Accounting---$17,743
Pension Plan Contributions---$9,693
Travel---$3,803
Insurance---$341
Total Functional Expenses$0$0$0$1,055,066
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
Lobbying 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
Member Share Accounts$15,796,588
Member Deposit Accounts$8,700,684
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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, Line 6: Explanation of Classes of Members or Shareholder

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

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

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

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Mergers are voted on by entire membership.”

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

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

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

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

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
First Area Credit Union
EIN
38-1719216
Phone
9897811430
Address
193 Campbell Lane, Saginaw, MI 48609

Signing Officer

Name
Lynn McCoy
Title
CEO
Signed
2015-03-30
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
12

Preparer

Firm
Financial Standards Group Inc
Address
3615 NEWBURG ROAD, LOUISVILLE, KY 40218
Preparer
Robin Rivers
Phone
8005225820
Raw XML Appendix397 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/Form990PartVIISectionAGrp/PersonNm3Gerald Wieneke
IRS990/Form990PartVIISectionAGrp/PersonNm4Matthew Wurtzel
IRS990/Form990PartVIISectionAGrp/PersonNm5Lynn McCoy
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
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IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Debit \ ATM Income
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Promotional
IRS990/ProgramServiceRevenueGrp/Desc2Income From Loans
IRS990/ProgramServiceRevenueGrp/Desc3Loan Late Fees
IRS990/ProgramServiceRevenueGrp/Desc4Share Draft Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt094396
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt170682
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2871884
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt334100
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt434403
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt094396
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt170682
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2871884
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt334100
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt434403
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 12/31/2014 was 1,746.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt057818
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0645767
IRS990/PYOtherRevenueAmt04876
IRS990/PYProgramServiceRevenueAmt01148482
IRS990/PYRevenuesLessExpensesAmt0171580
IRS990/PYSalariesCompEmpBnftPaidAmt0393829
IRS990/PYTotalExpensesAmt01039596
IRS990/PYTotalRevenueAmt01211176
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0116831
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03116132
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03215648
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05581504
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03350362
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0825551
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0304241
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01129792
IRS990ScheduleD/LandGrp/BookValueAmt0131103
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0131103
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt024436
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt024436
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt074188
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0398882
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0473070
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08700684
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt115796588
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposit Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Share Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01030842
IRS990ScheduleD/TotalBookValueSecuritiesAmt04114235
IRS990ScheduleD/TotalLiabilityAmt024497272
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) 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-EO 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/ExplanationTxt6Credit 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 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt028075070
IRS990/TotalAssetsEOYAmt027733904
IRS990/TotalAssetsGrp/BOYAmt028075070
IRS990/TotalAssetsGrp/EOYAmt027733904
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01055066
IRS990/TotalGrossUBIAmt01486
IRS990/TotalLiabilitiesBOYAmt024958938
IRS990/TotalLiabilitiesEOYAmt024518256
IRS990/TotalLiabilitiesGrp/BOYAmt024958938
IRS990/TotalLiabilitiesGrp/EOYAmt024518256
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03116132
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03215648
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt053
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt053
IRS990/TotalProgramServiceRevenueAmt01105518
IRS990/TotalReportableCompFromOrgAmt064392
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01170411
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01171897
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01486
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028075070
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027733904
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt03803
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
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/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Lynn McCoy
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-30
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/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03615 NEWBURG ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LOUISVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040218
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robin Rivers
ReturnHeader/ReturnTs02015-03-30T17:19:41-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$27,733,904
Liabilities
$24,518,256
Net assets
$3,215,648
Revenue
$1,171,897
Expenses
$1,055,066
Net income
$116,831
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