Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
990 • Fiscal year 2019 • EIN 38-1878763
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Liabilities / Revenue
18th percentile
Higher debt load relative to revenue than 18% of similar nonprofits.
Net Margin
76th percentile
Higher net margin than 76% of similar nonprofits.
Top Officer Pay
71st percentile
Higher top officer pay than 71% of similar nonprofits.
Top officer pay equals 2.2% of source-year revenue.
Asset Growth
68th percentile
Faster asset growth than 68% of similar nonprofits.
Revenue Growth
43rd percentile
Faster revenue growth than 43% of similar nonprofits.
Assets
Up$179,278,471
Up $10,206,414 (+6.0%) from 2018
Net Assets
Up$28,598,475
Up $3,215,730 (+13%) from 2018
Liabilities
Up$150,679,996
Up $6,990,684 (+4.9%) from 2018
Revenue
Up$11,868,278
Up $823,430 (+7.5%) from 2018
Expenses
Up$9,595,139
Up $576,534 (+6.4%) from 2018
Net Income
Up$2,273,139
Up $246,896 (+12%) from 2018
Provide financial services and products to members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $113,264,514 | $118,132,831 | ▲ $4,868,317 |
| Rtn Earn Endowment Incm Other Fnds | $25,382,745 | $28,598,475 | ▲ $3,215,730 |
| Investments in Publicly Traded Securities | $29,228,800 | $28,141,052 | ▼ $1,087,748 |
| Savings and Temporary Cash Investments | $13,948,000 | $19,241,281 | ▲ $5,293,281 |
| Land, Buildings, and Equipment, Net | $2,315,565 | $2,656,274 | ▲ $340,709 |
| Cash and Non-Interest-Bearing Accounts | $2,115,332 | $2,351,542 | ▲ $236,210 |
| Investments Other Securities | $1,048,875 | $1,048,875 | → $0 |
| Prepaid Expenses and Deferred Charges | $763,374 | $798,193 | ▲ $34,819 |
| Intangible Assets | $247,071 | $82,357 | ▼ $164,714 |
| Accounts Receivable | - | $0 | - |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $169,072,057 | $179,278,471 | ▲ $10,206,414 |
| Other Assets Total | $6,140,526 | $6,826,066 | ▲ $685,540 |
| Liabilities | |||
| Other Liabilities | $140,538,470 | $147,288,517 | ▲ $6,750,047 |
| Accounts Payable and Accrued Expenses | $3,150,842 | $3,391,479 | ▲ $240,637 |
| Total Liabilities | $143,689,312 | $150,679,996 | ▲ $6,990,684 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $25,382,745 | $28,598,475 | ▲ $3,215,730 |
| Total Liabilities and Net Assets / Fund Balance | $169,072,057 | $179,278,471 | ▲ $10,206,414 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,747,087 | $1,663,893 | $3,410,980 |
| Other Land Buildings | $301,807 | $879,026 | $1,180,833 |
| Land | $607,380 | - | $607,380 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| John Yeomans | CEO | FT | $207,761 | $56,225 | $263,986 |
| Cynthia McCombs | VP of HR | FT | $106,392 | $11,644 | $118,036 |
| Bev Vander Well | CFO | FT | $82,176 | $12,551 | $94,727 |
| Robert Shane | COO | FT | $18,645 | $2,686 | $21,331 |
| Name | Title |
|---|---|
| Russ Herman | Chairman |
| Yvonne Alles | Vice Chair |
| Fred Gradisher | Director |
| Frederick Bartling | Director |
| Janet Kinyon | Director |
| Thomas Powers | Director |
| Vicki Brown | Director |
| Jack Greiner | Secretary |
| Gaylen Demarest | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Co-op Financial Services | Card Services | 9692 Haven Ave, Rancho Cucamonga, CA 91730 | $581,728 |
| CU Answers | Data Processing | 6000 28 St SE Ste 100, Grand Rapids, MI 49546 | $373,510 |
| Priority Health | Emp Health Insurance | 1231 East Beltline NE, Grand Rapids, MI 49525-4501 | $346,445 |
| Redrock Information Security | IT Services | 8500 Governors Hill Dr, Symmers Township, OH 45249 | $227,374 |
| Varnum LLP | Legal Services | Bridgewater Place PO Box 352, Grand Rapids, MI 49501 | $167,849 |
| Line Item | Amount |
|---|---|
| Other Expenses | $5,400,308 |
| Salaries, Compensation, and Employee Benefits | $4,194,831 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,628,692 |
| Office Expenses | - | - | - | $1,819,313 |
| Interest | - | - | - | $840,180 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $498,078 |
| Pension Plan Contributions | - | - | - | $440,391 |
| Other Employee Benefits | - | - | - | $376,309 |
| Advertising | - | - | - | $339,821 |
| Occupancy | - | - | - | $337,948 |
| Payroll Taxes | - | - | - | $251,361 |
| Depreciation Depletion | - | - | - | $205,562 |
| Fees for Services Other | - | - | - | $114,859 |
| Conferences and Meetings | - | - | - | $100,751 |
| Other Expenses | - | - | - | $91,979 |
| All Other Expenses | - | - | - | $58,979 |
| Insurance | - | - | - | $57,321 |
| Fees for Services Accounting | - | - | - | $31,200 |
| Travel | - | - | - | $25,897 |
| Total Functional Expenses | $0 | $0 | $0 | $9,595,139 |
| 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 |
|---|---|
| Deposit Accounts | $93,683,315 |
| Share Accounts | $53,605,202 |
“Section 501c(14) 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 | 3150842 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 3391479 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Provide financial services and products to members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 339821 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 58979 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | John Yeomans |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6169429630 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3767 Sparks Drive SE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Grand Rapids |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49546 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2115332 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2351542 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 6 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 498078 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 100751 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 581728 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 373510 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 346445 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 167849 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 227374 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 9692 Haven Ave |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 6000 28 St SE Ste 100 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 1231 East Beltline NE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | Bridgewater Place PO Box 352 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | 8500 Governors Hill Dr |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Rancho Cucamonga |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | Grand Rapids |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | Grand Rapids |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | Grand Rapids |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | Symmers Township |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | MI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 91730 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 49546 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 495254501 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 49501 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 4 | 45249 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | Co-op Financial Services |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | CU Answers |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | Priority Health |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | Varnum LLP |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | Redrock Information Security |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Card Services |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | Data Processing |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | Emp Health Insurance |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | Legal Services |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | IT Services |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1261898 |
| IRS990/CYOtherExpensesAmt | 0 | 5400308 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 10606380 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2273139 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 4194831 |
| IRS990/CYTotalExpensesAmt | 0 | 9595139 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 11868278 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 205562 |
| 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 12/31/2019 was 24,444. |
| 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 | 96 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 31200 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 114859 |
| 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/AverageHoursPerWeekRltdOrgRt | 11 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 40.00 |
| 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/AverageHoursPerWeekRt | 10 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 23893 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 11644 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 12551 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 2686 |
| 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/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | John Yeomans |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Cynthia McCombs |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Bev Vander Well |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Robert Shane |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Russ Herman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Yvonne Alles |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Jack Greiner |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Gaylen Demarest |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Frederick Bartling |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Thomas Powers |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Vicki Brown |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Fred Gradisher |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Janet Kinyon |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 240093 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 106392 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 82176 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 18645 |
| 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/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 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/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VP of HR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1968 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | true |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| 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 | 11868278 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 57321 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 247071 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 82357 |
| IRS990/InterestGrp/TotalAmt | 0 | 840180 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1261898 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1261898 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1048875 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1048875 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 29228800 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 28141052 |
| IRS990/IRPDocumentCnt | 0 | 9058 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2542919 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2315565 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2656274 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5199193 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| 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 | 25382745 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 28598475 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 18298 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 942591 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 337948 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1819313 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 6140526 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6826066 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 376309 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Core Deposit Intangible Amrt |
| IRS990/OtherExpensesGrp/Desc | 3 | Postage and Shipping |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 845395 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 366389 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 164714 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 91979 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 140538470 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 147288517 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Insurance Revenue |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Non-Member ATM Fees |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | Other Operating Income |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2628692 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 113264514 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 118132831 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 251361 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 440391 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 763374 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 798193 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522210 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Income from Fines |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Insurance Revenue |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Interchange Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | Other Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 156029 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 176899 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 1185686 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 6706280 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 2314707 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 156029 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 224585 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1185686 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 6706280 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 2314707 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 47686 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2019 was 16,997. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1113744 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 5225302 |
| IRS990/PYOtherRevenueAmt | 0 | 222387 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 9708717 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 2026243 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3793303 |
| IRS990/PYTotalExpensesAmt | 0 | 9018605 |
| IRS990/PYTotalRevenueAmt | 0 | 11044848 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2273139 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| 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 | 25382745 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 28598475 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 13948000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 19241281 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1747087 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1663893 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3410980 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 607380 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 607380 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 301807 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 879026 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1180833 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 93683315 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 53605202 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Deposit Accounts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Share Accounts |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2656274 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 147288517 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 207761 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 18645 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 28800 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 18862 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 1588 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 5031 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 1098 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 3532 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | John Yeomans |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | Robert Shane |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | COO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 263986 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 21331 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.