Liabilities / Assets
47th percentile
Higher debt load relative to assets than 47% of similar nonprofits.
990 • Fiscal year 2013 • EIN 38-1876197
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
47th percentile
Higher debt load relative to assets than 47% of similar nonprofits.
Liabilities / Revenue
24th percentile
Higher debt load relative to revenue than 24% of similar nonprofits.
Net Margin
14th percentile
Higher net margin than 14% of similar nonprofits.
Top Officer Pay
85th percentile
Higher top officer pay than 85% of similar nonprofits.
Top officer pay equals 13.0% of source-year revenue.
Asset Growth
91st percentile
Faster asset growth than 91% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Up$12,648,786
Up $959,972 (+8.2%) from 2012
Net Assets
Down$1,690,684
Down $68,252 (-3.9%) from 2012
Liabilities
Up$10,958,102
Up $1,028,224 (+10%) from 2012
Revenue
$755,561
No earlier filing loaded for comparison.
Expenses
Down$823,813
Down $795 (-0.1%) from 2012
Net Income
-$68,252
No earlier filing loaded for comparison.
Provide financial services and products to members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $5,277,211 | $4,873,141 | ▼ $404,070 |
| Investments Other Securities | $2,203,000 | $3,788,000 | ▲ $1,585,000 |
| Savings and Temporary Cash Investments | $3,258,868 | $3,018,610 | ▼ $240,258 |
| Rtn Earn Endowment Incm Other Fnds | $1,758,936 | $1,690,684 | ▼ $68,252 |
| Cash and Non-Interest-Bearing Accounts | $458,548 | $487,078 | ▲ $28,530 |
| Land, Buildings, and Equipment, Net | $274,703 | $222,884 | ▼ $51,819 |
| Prepaid Expenses and Deferred Charges | $36,583 | $38,861 | ▲ $2,278 |
| 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 | $11,700,876 | $12,648,786 | ▲ $947,910 |
| Other Assets Total | $191,963 | $220,212 | ▲ $28,249 |
| Liabilities | |||
| Other Liabilities | $9,837,045 | $10,914,341 | ▲ $1,077,296 |
| Accounts Payable and Accrued Expenses | $104,895 | $43,761 | ▼ $61,134 |
| Total Liabilities | $9,941,940 | $10,958,102 | ▲ $1,016,162 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,758,936 | $1,690,684 | ▼ $68,252 |
| Total Liabilities and Net Assets / Fund Balance | $11,700,876 | $12,648,786 | ▲ $947,910 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Land | $84,928 | - | $84,928 |
| Buildings | $81,048 | - | $81,048 |
| Other Land Buildings | $29,815 | - | $29,815 |
| Equipment | $23,251 | - | $23,251 |
| Leasehold Improvements | $3,842 | - | $3,842 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Bobby G Walters | CEO/Treasurer | FT | $78,789 | $19,166 | $97,955 |
| Name | Title |
|---|---|
| Jim Cianciolo | President |
| Greg Nowak | Vice President |
| Alex Young | Director |
| Kenneth Kwapisz | Director |
| Larry Freeman | Director |
| Paul Kozicki | Director |
| Reno Mifsud | Director |
| Walter Schuler | Director |
| Joseph Valenti Jr | Secretary |
| Line Item | Amount |
|---|---|
| Other Expenses | $470,435 |
| Salaries, Compensation, and Employee Benefits | $353,378 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $132,973 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $97,955 |
| Pension Plan Contributions | - | - | - | $81,089 |
| Information Technology | - | - | - | $75,308 |
| All Other Expenses | - | - | - | $53,732 |
| Other Expenses | - | - | - | $34,981 |
| Office Expenses | - | - | - | $33,169 |
| Occupancy | - | - | - | $30,608 |
| Payroll Taxes | - | - | - | $23,145 |
| Other Employee Benefits | - | - | - | $18,216 |
| Advertising | - | - | - | $16,346 |
| Fees for Services Accounting | - | - | - | $15,958 |
| Travel | - | - | - | $15,842 |
| Interest | - | - | - | $15,621 |
| Insurance | - | - | - | $14,947 |
| Depreciation Depletion | - | - | - | $13,412 |
| Total Functional Expenses | $0 | $0 | $0 | $823,813 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
| Liability | Amount |
|---|---|
| Member Shares | $7,929,389 |
| Member Deposit Accounts | $2,984,952 |
“Credit Union is composed of members.”
“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”
“Mergers are voted on by entire membership.”
“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”
“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”
“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”
“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.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 104895 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 43761 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Provide financial services and products to members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 16346 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 53732 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | false |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Bobby G Walters |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3139624666 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 2825 Trumbull |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Detroit |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 48216 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 458548 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 487078 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 97955 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 62908 |
| IRS990/CYOtherExpensesAmt | 0 | 470435 |
| IRS990/CYOtherRevenueAmt | 0 | -16054 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 708707 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -68252 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 353378 |
| IRS990/CYTotalExpensesAmt | 0 | 823813 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 755561 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 13412 |
| IRS990/Desc | 0 | The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2013 was 2,551. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | false |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/ExcessBusinessHoldingsInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 15958 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 19166 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Jim Cianciolo |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Greg Nowak |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Joseph Valenti Jr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Bobby G Walters |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Alex Young |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Reno Mifsud |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Larry Freeman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Kenneth Kwapisz |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Walter Schuler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Paul Kozicki |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 78789 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CEO/Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1968 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 805435 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 27600 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 75308 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 14947 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 15621 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 62908 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 62908 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 2203000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 3788000 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 219 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 274703 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 222884 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 222884 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 49874 |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Provide financial services and products to members. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1758936 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1690684 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | -22274 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | -22274 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -27305 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 30608 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 33169 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 191963 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 220212 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 18216 |
| IRS990/OtherExpensesGrp/Desc | 0 | PLL |
| IRS990/OtherExpensesGrp/Desc | 1 | Co-Op ATM Exp |
| IRS990/OtherExpensesGrp/Desc | 2 | Co-Op Branch Exp |
| IRS990/OtherExpensesGrp/Desc | 3 | Visa Expense |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 66195 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 42187 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 42129 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 34981 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 9837045 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 10914341 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Insurance Reimbursements |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 6220 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 6220 |
| IRS990/OtherRevenueTotalAmt | 0 | 6220 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 132973 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 5277211 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 4873141 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 23145 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 81089 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 36583 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 38861 |
| IRS990/PrincipalOfficerNm | 0 | Bobby G Walters |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Interchange Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 204030 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 41992 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 462685 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 204030 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 41992 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 462685 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | The Credit Union provides a variety of loans to members, including vehicle loans, home equity loans, signature loans and lines of credit as well as credit card loans. As of December 31, 2013, the Credit Union had 1,552 loans outstanding. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 55249 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 481687 |
| IRS990/PYOtherRevenueAmt | 0 | 10699 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 759242 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 582 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 342921 |
| IRS990/PYTotalExpensesAmt | 0 | 824608 |
| IRS990/PYTotalRevenueAmt | 0 | 825190 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -68252 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | -22274 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1758936 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1690684 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3258868 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3018610 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 81048 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 81048 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 23251 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 23251 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 84928 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 84928 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 3842 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 3842 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 29815 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 29815 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 2984952 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 7929389 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Deposit Accounts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Member Shares |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 222884 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 3788000 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 10914341 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Credit Union is composed of members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Mergers are voted on by entire membership. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 11700876 |
| IRS990/TotalAssetsEOYAmt | 0 | 12648786 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 11700876 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 12648786 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 7 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 823813 |
| IRS990/TotalGrossUBIAmt | 0 | -16054 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 9941940 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 10958102 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 9941940 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 10958102 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1758936 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1690684 |
| IRS990/TotalOtherCompensationAmt | 0 | 19166 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 708707 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 78789 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 771615 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 755561 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | -16054 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 11700876 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 12648786 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/TotalAmt | 0 | 15842 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 2825 Trumbull |
| IRS990/USAddress/City | 0 | Detroit |
| IRS990/USAddress/State | 0 | MI |
| IRS990/USAddress/ZIPCode | 0 | 48216 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 10 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | Teamsterscreditunion.com |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Bobby G Walters |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO/Treasurer |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-03-01 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | Teamsters Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | TEAM |
| ReturnHeader/Filer/EIN | 0 | 381876197 |
| ReturnHeader/Filer/PhoneNum | 0 | 3139624666 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.