Civic Intelligence

Credit Unions Chartered in the State of Michigan United Churches Credit Union

EIN 38-1743355 • 501(c)14 • Taylor, MI

Profile

Committed to meeting our member's financial needs by providing high satisfaction with competitive rates for all our financial products and services with a personal touch and strive for continued growth while maintaining a strong financial foundation.

20252 Ecorse RoadTaylor, MI 48180

www.unitedchurchescu.org

Siviq Scores

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

Liabilities / Assets

84th percentile

0.91x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

19.79x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

77th percentile

19%

Higher net margin than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

50th percentile

-0.1%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

70th percentile

16%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$21,388,035

Down $25,217 (-0.1%) from 2023

Liabilities

Down

$19,458,102

Down $341,027 (-1.7%) from 2023

Net Assets

Up

$1,929,933

Up $315,810 (+20%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin77th percentile

Revenue

Up

$983,322

Up $138,975 (+16%) from 2023

Expenses

Up

$798,950

Up $143,977 (+22%) from 2023

Net Income

Down

$184,372

Down $5,002 (-2.6%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$30M$20M$10M$0Assets 2010: $16,960,306Liabilities 2010: $15,626,812Net Assets 2010: $1,333,4942010Assets 2011: $17,369,668Liabilities 2011: $16,089,145Net Assets 2011: $1,280,5232011Assets 2012: $17,995,150Liabilities 2012: $16,800,791Net Assets 2012: $1,194,3592012Assets 2013: $16,995,484Liabilities 2013: $15,906,847Net Assets 2013: $1,088,6372013Assets 2014: $16,011,809Liabilities 2014: $14,819,480Net Assets 2014: $1,192,3292014Assets 2015: $16,632,719Liabilities 2015: $15,386,389Net Assets 2015: $1,246,3302015Assets 2016: $16,422,842Liabilities 2016: $15,093,095Net Assets 2016: $1,329,7472016Assets 2017: $16,383,311Liabilities 2017: $14,998,761Net Assets 2017: $1,384,5502017Assets 2018: $17,420,197Liabilities 2018: $15,978,974Net Assets 2018: $1,441,2232018Assets 2019: $18,520,759Liabilities 2019: $16,932,145Net Assets 2019: $1,588,6142019Assets 2020: $21,126,974Liabilities 2020: $19,489,574Net Assets 2020: $1,637,4002020Assets 2021: $22,971,879Liabilities 2021: $21,423,893Net Assets 2021: $1,547,9862021Assets 2022: $22,689,939Liabilities 2022: $21,461,438Net Assets 2022: $1,228,5012022Assets 2023: $21,413,252Liabilities 2023: $19,799,129Net Assets 2023: $1,614,1232023Assets 2024: $21,388,035Liabilities 2024: $19,458,102Net Assets 2024: $1,929,9332024

Highlighted filing

2024

Assets$21,388,035
Liabilities$19,458,102
Net Assets$1,929,933
Open 2024 Filing

Operations Trend

Revenue Growth70th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $834,4002010Expenses 2011: $635,1782011Expenses 2012: $620,2972012Revenue 2013: $495,534Expenses 2013: $601,256Net Income 2013: -$105,7222013Revenue 2014: $608,268Expenses 2014: $504,576Net Income 2014: $103,6922014Revenue 2015: $499,849Expenses 2015: $442,478Net Income 2015: $57,3712015Revenue 2016: $523,559Expenses 2016: $444,530Net Income 2016: $79,0292016Revenue 2017: $539,726Expenses 2017: $483,862Net Income 2017: $55,8642017Revenue 2018: $629,065Expenses 2018: $571,014Net Income 2018: $58,0512018Revenue 2019: $727,109Expenses 2019: $585,269Net Income 2019: $141,8402019Revenue 2020: $614,339Expenses 2020: $565,937Net Income 2020: $48,4022020Revenue 2021: $500,759Expenses 2021: $551,826Net Income 2021: -$51,0672021Revenue 2022: $564,009Expenses 2022: $538,205Net Income 2022: $25,8042022Revenue 2023: $844,347Expenses 2023: $654,973Net Income 2023: $189,3742023Revenue 2024: $983,322Expenses 2024: $798,950Net Income 2024: $184,3722024

Highlighted filing

2024

Revenue$983,322
Expenses$798,950
Net Income$184,372
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$21,388,035
Liabilities
$19,458,102
Net assets
$1,929,933
Revenue
$983,322
Expenses
$798,950
Net income
$184,372
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$21.4$19.5$1.93$0.98$0.80$0.18
2023Detailed filing. Detailed filing data is available for this year.$21.4$19.8$1.61$0.84$0.65$0.19
2022Detailed filing. Detailed filing data is available for this year.$22.7$21.5$1.23$0.56$0.54$0.03
2021Detailed filing. Detailed filing data is available for this year.$23.0$21.4$1.55$0.50$0.55$0.05
2020Detailed filing. Detailed filing data is available for this year.$21.1$19.5$1.64$0.61$0.57$0.05
2019Detailed filing. Detailed filing data is available for this year.$18.5$16.9$1.59$0.73$0.59$0.14
2018Detailed filing. Detailed filing data is available for this year.$17.4$16.0$1.44$0.63$0.57$0.06
2017Detailed filing. Detailed filing data is available for this year.$16.4$15.0$1.38$0.54$0.48$0.06
2016Detailed filing. Detailed filing data is available for this year.$16.4$15.1$1.33$0.52$0.44$0.08
2015Detailed filing. Detailed filing data is available for this year.$16.6$15.4$1.25$0.50$0.44$0.06
2014Detailed filing. Detailed filing data is available for this year.$16.0$14.8$1.19$0.61$0.50$0.10
2013Detailed filing. Detailed filing data is available for this year.$17.0$15.9$1.09$0.50$0.60$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.0$16.8$1.19$0.62
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.4$16.1$1.28$0.64
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$15.6$1.33$0.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 18, 2025
Return Version
2024v5.2
Gross Receipts
$1,006,057
Mission and Program Overview

Mission

A financial co-operative that provides personal service and an array of reasonably priced products and services for all ages.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$10,726,759$11,281,706▲ $554,947
Other Notes and Loans Receivable, Net$5,526,579$5,435,621▼ $90,958
Savings and Temporary Cash Investments$2,581,804$2,507,657▼ $74,147
Rtn Earn Endowment Incm Other Fnds$1,614,123$1,929,933▲ $315,810
Investments Program Related$1,989,468$1,621,207▼ $368,261
Cash and Non-Interest-Bearing Accounts$219,618$186,530▼ $33,088
Prepaid Expenses and Deferred Charges$41,021$36,770▼ $4,251
Land, Buildings, and Equipment, Net$14,556$20,274▲ $5,718
Accounts Receivable$12,500--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$21,413,252$21,388,035▼ $25,217
Other Assets Total$300,947$298,270▼ $2,677
Liabilities
Other Liabilities$19,714,649$19,378,876▼ $335,773
Accounts Payable and Accrued Expenses$84,480$79,226▼ $5,254
Total Liabilities$19,799,129$19,458,102▼ $341,027
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,614,123$1,929,933▲ $315,810
Total Liabilities and Net Assets / Fund Balance$21,413,252$21,388,035▼ $25,217

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$20,274$89,809$110,083
Buildings$0$22,063$22,063
Investment Program Related Org$1,621,207--
Other Securities$400,877--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle WoodheadCEOFT$49,167$9,693$58,860
Susan SmithBoard MemberPT$37,650-$37,650

Board Members and Trustees

NameTitle
Alan SrodawaBoard Chairperson
Lawrence LevesqueBoard Vice Chairperson
Mark LueckeBoard Secretary
Donald RudinBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$448,890
Investment Income
$534,432
Other Revenue
$0
Change in Net Assets
$184,372

Audited Revenue Reconciliation

Revenue per Audited Statements
$983,322
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$983,322
Total Revenue per Form 990
$983,322
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$594,204
Salaries, Compensation, and Employee Benefits$204,746
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$96,510
Office Expenses---$81,594
Information Technology---$71,438
Fees for Services Other---$67,021
Other Salaries and Wages---$61,826
Interest---$56,848
Other Expenses---$49,400
Fees for Services Accounting---$48,000
Occupancy---$42,472
Other Employee Benefits---$30,850
All Other Expenses---$18,462
Depreciation Depletion---$17,751
Payroll Taxes---$13,193
Advertising---$6,767
Travel---$2,400
Pension Plan Contributions---$2,367
Total Functional Expenses$0$0$0$798,950

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$798,950
Total Expenses per Audited Statements$798,950
Total Expenses per Form 990$798,950
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$19,378,876
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 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
No
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

“The credit union has a single class of members with equal rights of ownership, governance, and voting.”

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

“The board of directors is elected by the membership at the annual meeting. Each board member is elected for a three year term.”

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

“Credit union decisions that are subject to membership approval are mergers, if united churches credit union is not the continuing credit union.”

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

“A review is conducted by the ceo prior to submission to the irs. Subsequent to filing, the board of directors is provided with a copy of the 990 returns submitted.”

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

“The board of directors performs an annual evaluation of the ceo. Goals are established at the beginning of each year and the evaluation is based on achieving those goals. Salary increases are determined by budget availability and overall performance.”

Form 990, Part VI, Section C, Line 19

“Monthly financial statements are posted in the credit union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
United Churches Credit Union
EIN
38-1743355
Phone
3133826533
Address
20252 ECORSE ROAD, TAYLOR, MI 48180

Signing Officer

Name
Michelle Woodhead
Title
CEO
Phone
3133826533
Signed
2025-07-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nicholas Alexander
Formed
1957
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
4
Employees
5
Volunteers
5

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Other operating expenses 12,462. Examination fees/association dues 6,000.”

Form 990, Part XIII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML Appendix386 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt084480
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt079226
IRS990/AccountsReceivableGrp/BOYAmt012500
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.
IRS990/AdvertisingGrp/TotalAmt06767
IRS990/AllOtherExpensesGrp/TotalAmt018462
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0NICHOLAS ALEXANDER
IRS990/BooksInCareOfDetail/PhoneNum03133826533
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt020252 ECORSE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0TAYLOR
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048180
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0219618
IRS990/CashNonInterestBearingGrp/EOYAmt0186530
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt096510
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0534432
IRS990/CYOtherExpensesAmt0594204
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0448890
IRS990/CYRevenuesLessExpensesAmt0184372
IRS990/CYSalariesCompEmpBnftPaidAmt0204746
IRS990/CYTotalExpensesAmt0798950
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0983322
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt017751
IRS990/Desc0PROVIDE 1,235 MEMBERS WITH REGULAR SHARES, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA AND HIGH-YIELD ACCOUNTS WITH AGGREGATE DEPOSIT BALANCES THAT APPROXIMATED $19,379,000 AS OF DECEMBER 31, 2024.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt048000
IRS990/FeesForServicesOtherGrp/TotalAmt067021
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt410.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt545.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt59693
IRS990/Form990PartVIISectionAGrp/PersonNm0ALAN SRODAWA
IRS990/Form990PartVIISectionAGrp/PersonNm1LAWRENCE LEVESQUE
IRS990/Form990PartVIISectionAGrp/PersonNm2MARK LUECKE
IRS990/Form990PartVIISectionAGrp/PersonNm3DONALD RUDIN
IRS990/Form990PartVIISectionAGrp/PersonNm4SUSAN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHELLE WOODHEAD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt437650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt549167
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01957
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0563
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt023298
IRS990/GrossReceiptsAmt01006057
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt071438
IRS990/InterestGrp/TotalAmt056848
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0533869
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0533869
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt010726759
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt011281706
IRS990/InvestmentsProgramRelatedGrp/BOYAmt01989468
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01621207
IRS990/IRPDocumentCnt01345
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0111872
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014556
IRS990/LandBldgEquipBasisNetGrp/EOYAmt020274
IRS990/LandBldgEquipCostOrOtherBssAmt0132146
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt022735
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A FINANCIAL CO-OPERATIVE THAT PROVIDES PERSONAL SERVICE AND AN ARRAY OF REASONABLY PRICED PRODUCTS AND SERVICES FOR ALL AGES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01614123
IRS990/NetAssetsOrFundBalancesEOYAmt01929933
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0563
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0563
IRS990/NetUnrelatedBusTxblIncmAmt02402
IRS990/NetUnrlzdGainsLossesInvstAmt0131438
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt042472
IRS990/OfficeExpensesGrp/TotalAmt081594
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0300947
IRS990/OtherAssetsTotalGrp/EOYAmt0298270
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt030850
IRS990/OtherExpensesGrp/Desc0UNRELATED BUSINESS INCO
IRS990/OtherExpensesGrp/Desc1ATM/DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0423
IRS990/OtherExpensesGrp/TotalAmt173878
IRS990/OtherExpensesGrp/TotalAmt257750
IRS990/OtherExpensesGrp/TotalAmt349400
IRS990/OtherLiabilitiesGrp/BOYAmt019714649
IRS990/OtherLiabilitiesGrp/EOYAmt019378876
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt061826
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05526579
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05435621
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt013193
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt02367
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt041021
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt036770
IRS990/PrincipalOfficerNm0NICHOLAS ALEXANDER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE AND INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0326693
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1115658
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0326693
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1115658
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt26539
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06539
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 1,084 LOANS INCLUDING VEHICLE, FIRST MORTGAGE, LINE OF CREDIT AND UNSECURED LOANS WITH AGGREGATE LOAN BALANCES THAT APPROXIMATED $5,507,000 AS OF DECEMBER 31, 2024.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, WIRE TRANSFERS, MONEY ORDERS, TRAVELERS CHECKS AND VARIOUS INSURANCE PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0410233
IRS990/PYOtherExpensesAmt0464647
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0434114
IRS990/PYRevenuesLessExpensesAmt0189374
IRS990/PYSalariesCompEmpBnftPaidAmt0190326
IRS990/PYTotalExpensesAmt0654973
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0844347
IRS990/ReconcilationRevenueExpnssAmt0184372
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01614123
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01929933
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02581804
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02507657
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt022063
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt022063
IRS990ScheduleD/EquipmentGrp/BookValueAmt020274
IRS990ScheduleD/EquipmentGrp/DepreciationAmt089809
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0110083
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0798950
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01621207
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALLOYA CORPORATE FEDERAL CREDIT UNION
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019378876
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03963000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt13791740
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2987621
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31618968
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4447469
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt572031
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt6400877
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATE INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3US TREASURY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc4US GOVERNMENT AGENCIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc5BANK NOTES
IRS990ScheduleD/OtherSecuritiesGrp/Desc6MUNICIPAL BONDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0983322
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020274
IRS990ScheduleD/TotalBookValueProgramRltdAmt01621207
IRS990ScheduleD/TotalBookValueSecuritiesAmt011281706
IRS990ScheduleD/TotalExpensesPerForm990Amt0798950
IRS990ScheduleD/TotalLiabilityAmt019378876
IRS990ScheduleD/TotalRevenuePerForm990Amt0983322
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0983322
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0798950
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS, IF UNITED CHURCHES CREDIT UNION IS NOT THE CONTINUING CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A REVIEW IS CONDUCTED BY THE CEO PRIOR TO SUBMISSION TO THE IRS. SUBSEQUENT TO FILING, THE BOARD OF DIRECTORS IS PROVIDED WITH A COPY OF THE 990 RETURNS SUBMITTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS PERFORMS AN ANNUAL EVALUATION OF THE CEO. GOALS ARE ESTABLISHED AT THE BEGINNING OF EACH YEAR AND THE EVALUATION IS BASED ON ACHIEVING THOSE GOALS. SALARY INCREASES ARE DETERMINED BY BUDGET AVAILABILITY AND OVERALL PERFORMANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER OPERATING EXPENSES 12,462. EXAMINATION FEES/ASSOCIATION DUES 6,000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XIII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt021413252
IRS990/TotalAssetsEOYAmt021388035
IRS990/TotalAssetsGrp/BOYAmt021413252
IRS990/TotalAssetsGrp/EOYAmt021388035
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0798950
IRS990/TotalGrossUBIAmt06539
IRS990/TotalLiabilitiesBOYAmt019799129
IRS990/TotalLiabilitiesEOYAmt019458102
IRS990/TotalLiabilitiesGrp/BOYAmt019799129
IRS990/TotalLiabilitiesGrp/EOYAmt019458102
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01614123
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01929933
IRS990/TotalOtherCompensationAmt09693
IRS990/TotalProgramServiceRevenueAmt0448890
IRS990/TotalReportableCompFromOrgAmt086817
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0976783
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0983322
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06539
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021413252
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021388035
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02400
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt020252 ECORSE ROAD
IRS990/USAddress/CityNm0TAYLOR
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048180
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.UNITEDCHURCHESCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHELLE WOODHEAD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03133826533
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UNITED CHURCHES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0381743355
ReturnHeader/Filer/PhoneNum03133826533
ReturnHeader/Filer/USAddress/AddressLine1Txt020252 ECORSE ROAD
ReturnHeader/Filer/USAddress/CityNm0TAYLOR
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048180
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0994260840
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DOEREN MAYHEW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt08785 SW 165TH AVENUE SUITE 303
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MIAMI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033193
ReturnHeader/PreparerPersonGrp/PhoneNum03052328272
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AUBREY CLEGG
ReturnHeader/ReturnTs02025-07-21T23:06:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.