Liabilities / Assets
72nd percentile
Higher debt load relative to assets than 72% of similar nonprofits.
990 • Fiscal year 2020 • EIN 38-1876197
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
72nd percentile
Higher debt load relative to assets than 72% of similar nonprofits.
Liabilities / Revenue
58th percentile
Higher debt load relative to revenue than 58% of similar nonprofits.
Net Margin
7th percentile
Higher net margin than 7% of similar nonprofits.
Top Officer Pay
94th percentile
Higher top officer pay than 94% of similar nonprofits.
Top officer pay equals 19.4% of source-year revenue.
Asset Growth
62nd percentile
Faster asset growth than 62% of similar nonprofits.
Revenue Growth
4th percentile
Faster revenue growth than 4% of similar nonprofits.
Assets
Up$17,354,580
Up $2,136,847 (+14%) from 2019
Net Assets
Down$1,768,346
Down $83,504 (-4.5%) from 2019
Liabilities
Up$15,586,234
Up $2,220,351 (+17%) from 2019
Revenue
Down$676,354
Down $182,935 (-21%) from 2019
Expenses
Down$759,858
Down $42,743 (-5.3%) from 2019
Net Income
Down-$83,504
Down $140,192 (-247%) from 2019
Provide financial services and products to members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $10,353,644 | $12,217,107 | ▲ $1,863,463 |
| Other Notes and Loans Receivable, Net | $3,540,404 | $3,552,699 | ▲ $12,295 |
| Rtn Earn Endowment Incm Other Fnds | $1,851,850 | $1,768,346 | ▼ $83,504 |
| Investments Other Securities | $537,840 | $785,467 | ▲ $247,627 |
| Cash and Non-Interest-Bearing Accounts | $498,382 | $531,659 | ▲ $33,277 |
| Land, Buildings, and Equipment, Net | $97,603 | $123,950 | ▲ $26,347 |
| Prepaid Expenses and Deferred Charges | $60,179 | $37,614 | ▼ $22,565 |
| 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 | $15,217,733 | $17,354,580 | ▲ $2,136,847 |
| Other Assets Total | $129,681 | $106,084 | ▼ $23,597 |
| Liabilities | |||
| Other Liabilities | $13,318,462 | $15,343,371 | ▲ $2,024,909 |
| Accounts Payable and Accrued Expenses | $47,421 | $242,863 | ▲ $195,442 |
| Total Liabilities | $13,365,883 | $15,586,234 | ▲ $2,220,351 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,851,850 | $1,768,346 | ▼ $83,504 |
| Total Liabilities and Net Assets / Fund Balance | $15,217,733 | $17,354,580 | ▲ $2,136,847 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Land | $84,928 | - | $84,928 |
| Buildings | $38,058 | - | $38,058 |
| Other Land Buildings | $494 | - | $494 |
| Leasehold Improvements | $470 | - | $470 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Bobby G Walters | CEO/Treasurer | FT | $101,372 | $30,086 | $131,458 |
| Michael Henmueller | CEO/Treasurer | FT | $5,540 | - | $5,540 |
| Name | Title |
|---|---|
| Jim Cianciolo | Chairperson |
| Greg Nowak | Vice Chairperso |
| Alex Young | Director |
| Kenneth Kwapisz | Director |
| Kevin Moore | Director |
| Larry Freeman | Director |
| Paul Kozicki | Director |
| Reno Mifsud | Director |
| Joseph Valenti Jr | Secretary |
| Line Item | Amount |
|---|---|
| Other Expenses | $404,637 |
| Salaries, Compensation, and Employee Benefits | $355,221 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $148,679 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $131,458 |
| Information Technology | - | - | - | $69,505 |
| Occupancy | - | - | - | $54,763 |
| Other Employee Benefits | - | - | - | $44,978 |
| All Other Expenses | - | - | - | $39,028 |
| Payroll Taxes | - | - | - | $20,226 |
| Insurance | - | - | - | $18,116 |
| Fees for Services Other | - | - | - | $17,977 |
| Travel | - | - | - | $12,813 |
| Depreciation Depletion | - | - | - | $12,811 |
| Fees for Services Accounting | - | - | - | $10,575 |
| Interest | - | - | - | $10,495 |
| Other Expenses | - | - | - | $10,121 |
| Pension Plan Contributions | - | - | - | $9,880 |
| Fees for Services Legal | - | - | - | $6,896 |
| Office Expenses | - | - | - | $4,868 |
| Advertising | - | - | - | $2,478 |
| Total Functional Expenses | $0 | $0 | $0 | $759,858 |
| 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 & Deposits | $15,343,371 |
“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 | 47421 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 242863 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Provide financial services and products to members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 2478 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 39028 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Michael Henmueller |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3139624666 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2825 Trumbull |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Detroit |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 48216 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 498382 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 531659 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 131458 |
| 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 | 146267 |
| IRS990/CYOtherExpensesAmt | 0 | 404637 |
| IRS990/CYOtherRevenueAmt | 0 | 39620 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 490467 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -83504 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 355221 |
| IRS990/CYTotalExpensesAmt | 0 | 759858 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 676354 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 12811 |
| 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 12/31/2020 was 1,837. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 6 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 10575 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 6896 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 17977 |
| 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/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| 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/AverageHoursPerWeekRt | 10 | 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 | 30086 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| 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/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Bobby G Walters |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Michael Henmueller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Jim Cianciolo |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Greg Nowak |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Joseph Valenti Jr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Alex Young |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Reno Mifsud |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Larry Freeman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Kenneth Kwapisz |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Kevin Moore |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Paul Kozicki |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 101372 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 5540 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| 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/ReportableCompFromOrgAmt | 10 | 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/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO/Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CEO/Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Vice Chairperso |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Secretary |
| 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/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1968 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | true |
| IRS990/FSAuditedInd | 0 | false |
| 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 | 676354 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 39620 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 69505 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 18116 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 10495 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 146267 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 146267 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 537840 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 785467 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 141 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 97603 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 123950 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 123950 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LoanOutstandingInd | 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 | 1851850 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1768346 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 39620 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 39620 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 54763 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 4868 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 129681 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 106084 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 44978 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 1 | Co-OP Expense |
| IRS990/OtherExpensesGrp/Desc | 2 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 3 | State Operating Fee |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 91318 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 24611 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 18262 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10121 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 13318462 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 15343371 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Insurance Reimbursements |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 148679 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 3540404 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 3552699 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 20226 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 9880 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 60179 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 37614 |
| IRS990/PrincipalOfficerNm | 0 | Michael Henmueller |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Insurance Revenue |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Interchange Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | Other Misc Income |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 110498 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 32268 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 304289 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 36311 |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 7101 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 32268 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 304289 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 36311 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 7101 |
| 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, 2020, the Credit Union had 1,023 loans outstanding. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 238135 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 443066 |
| IRS990/PYOtherRevenueAmt | 0 | 46300 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 574854 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 56688 |
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| IRS990/PYTotalExpensesAmt | 0 | 802601 |
| IRS990/PYTotalRevenueAmt | 0 | 859289 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -83504 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
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| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
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| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1768346 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10353644 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 12217107 |
| IRS990/ScheduleBRequiredInd | 0 | false |
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| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 38058 |
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| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 84928 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 470 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 470 |
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| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 494 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 15343371 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares & Deposits |
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| IRS990ScheduleD/TotalLiabilityAmt | 0 | 15343371 |
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| IRS990/ScheduleJRequiredInd | 0 | true |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 20570 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Bobby G Walters |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/Treasurer |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 131458 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 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 |
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| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
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| IRS990/TotalAssetsEOYAmt | 0 | 17354580 |
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| IRS990/TotalAssetsGrp/EOYAmt | 0 | 17354580 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 6 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 759858 |
| IRS990/TotalGrossUBIAmt | 0 | 7101 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 13365883 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 15586234 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 13365883 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 15586234 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1851850 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1768346 |
| IRS990/TotalOtherCompensationAmt | 0 | 30086 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 490467 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 106912 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 669253 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 676354 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 7101 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 15217733 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 17354580 |
| IRS990/TravelGrp/TotalAmt | 0 | 12813 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 2825 Trumbull |
| IRS990/USAddress/CityNm | 0 | Detroit |
| IRS990/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/USAddress/ZIPCd | 0 | 48216 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 10 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | Teamsterscreditunion.com |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd | 0 | AAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd | 0 | FAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd | 0 | IAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd | 0 | 2 |
| ReturnHeader/BuildTS | 0 | 2022-09-23 18:48:47Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Michael Henmueller |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO/Treasurer |
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Displayed year
2020 • Form 990Detailed filing. Detailed filing data is available for this year.