Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-1987607 • 501(c)14 • Drummond Island, MI

Profile

Promotion of thrift and providing low cost credit for its members through mutual and nonprofit operations.

34857 S Townline RdDrummond Island, MI 49726

www.ddccu.com

Siviq Scores

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

Liabilities / Assets

25th percentile

0.83x

Higher debt load relative to assets than 25% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

72nd percentile

18.66x

Higher debt load relative to revenue than 72% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

79th percentile

21%

Higher net margin than 79% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

22nd percentile

$82,725

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 5.1% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

15th percentile

-4.9%

Faster asset growth than 15% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

5th percentile

-16%

Faster revenue growth than 5% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets25th percentile

Assets

Down

$36,684,119

Down $1,876,919 (-4.9%) from 2023

Liabilities

Down

$30,483,236

Down $2,482,650 (-7.5%) from 2023

Net Assets

Up

$6,200,883

Up $605,731 (+11%) from 2023

Operations
Liabilities / Revenue72nd percentileNet Margin79th percentile

Revenue

Down

$1,633,579

Down $302,731 (-16%) from 2023

Expenses

Up

$1,287,027

Up $49,392 (+4.0%) from 2023

Net Income

Down

$346,552

Down $352,123 (-50%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth15th percentile

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

$60M$40M$20M$0Assets 2010: $32,230,947Liabilities 2010: $29,241,927Net Assets 2010: $2,989,0202010Assets 2011: $30,228,107Liabilities 2011: $27,004,243Net Assets 2011: $3,223,8642011Assets 2012: $29,771,218Liabilities 2012: $26,424,240Net Assets 2012: $3,346,9782012Assets 2013: $31,417,060Liabilities 2013: $28,003,117Net Assets 2013: $3,413,9432013Assets 2014: $32,863,775Liabilities 2014: $29,276,084Net Assets 2014: $3,587,6912014Assets 2015: $31,594,611Liabilities 2015: $28,070,036Net Assets 2015: $3,524,5752015Assets 2016: $31,878,331Liabilities 2016: $28,000,555Net Assets 2016: $3,877,7762016Assets 2017: $32,789,446Liabilities 2017: $28,929,506Net Assets 2017: $3,859,9402017Assets 2018: $32,785,455Liabilities 2018: $28,474,515Net Assets 2018: $4,310,9402018Assets 2019: $33,526,133Liabilities 2019: $28,471,142Net Assets 2019: $5,054,9912019Assets 2020: $39,219,890Liabilities 2020: $33,714,046Net Assets 2020: $5,505,8442020Assets 2021: $44,208,077Liabilities 2021: $38,889,061Net Assets 2021: $5,319,0162021Assets 2022: $43,137,692Liabilities 2022: $38,464,656Net Assets 2022: $4,673,0362022Assets 2023: $38,561,038Liabilities 2023: $32,965,886Net Assets 2023: $5,595,1522023Assets 2024: $36,684,119Liabilities 2024: $30,483,236Net Assets 2024: $6,200,8832024

Highlighted filing

2024

Assets$36,684,119
Liabilities$30,483,236
Net Assets$6,200,883
Open 2024 Filing

Operations Trend

Revenue Growth5th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,214,3432010Expenses 2011: $1,101,2372011Expenses 2012: $1,219,8742012Revenue 2013: $1,154,273Expenses 2013: $1,087,308Net Income 2013: $66,9652013Revenue 2014: $1,232,082Expenses 2014: $1,058,334Net Income 2014: $173,7482014Revenue 2015: $1,241,775Expenses 2015: $1,281,633Net Income 2015: -$39,8582015Revenue 2016: $1,318,855Expenses 2016: $995,524Net Income 2016: $323,3312016Revenue 2017: $1,291,741Expenses 2017: $1,234,471Net Income 2017: $57,2702017Revenue 2018: $1,363,698Expenses 2018: $841,591Net Income 2018: $522,1072018Revenue 2019: $1,413,744Expenses 2019: $1,038,323Net Income 2019: $375,4212019Revenue 2020: $1,347,100Expenses 2020: $1,087,626Net Income 2020: $259,4742020Revenue 2021: $1,224,914Expenses 2021: $1,103,464Net Income 2021: $121,4502021Revenue 2022: $1,424,838Expenses 2022: $1,145,514Net Income 2022: $279,3242022Revenue 2023: $1,936,310Expenses 2023: $1,237,635Net Income 2023: $698,6752023Revenue 2024: $1,633,579Expenses 2024: $1,287,027Net Income 2024: $346,5522024

Highlighted filing

2024

Revenue$1,633,579
Expenses$1,287,027
Net Income$346,552
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$36,684,119
Liabilities
$30,483,236
Net assets
$6,200,883
Revenue
$1,633,579
Expenses
$1,287,027
Net income
$346,552
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.7$30.5$6.20$1.63$1.29$0.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.6$33.0$5.60$1.94$1.24$0.70
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.1$38.5$4.67$1.42$1.15$0.28
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$44.2$38.9$5.32$1.22$1.10$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.2$33.7$5.51$1.35$1.09$0.26
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.5$28.5$5.05$1.41$1.04$0.38
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.8$28.5$4.31$1.36$0.84$0.52
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.8$28.9$3.86$1.29$1.23$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.9$28.0$3.88$1.32$1.00$0.32
2015Detailed filing. Detailed filing data is available for this year.$31.6$28.1$3.52$1.24$1.28$0.04
2014Detailed filing. Detailed filing data is available for this year.$32.9$29.3$3.59$1.23$1.06$0.17
2013Detailed filing. Detailed filing data is available for this year.$31.4$28.0$3.41$1.15$1.09$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.8$26.4$3.35$1.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$27.0$3.22$1.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.2$29.2$2.99$1.21
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2018 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jun 7, 2019
Return Version
2018v3.1
Gross Receipts
$1,363,698
Mission and Program Overview

Mission

Promotion of thrift and providing low cost credit for its members through mutual and nonprofit operations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,571,736$15,402,607▲ $830,871
Savings and Temporary Cash Investments$16,673,805$15,066,042▼ $1,607,763
Rtn Earn Endowment Incm Other Fnds$3,859,940$4,310,940▲ $451,000
Cash and Non-Interest-Bearing Accounts$550,063$742,625▲ $192,562
Receivables From Officers Etc$197,329$354,814▲ $157,485
Land, Buildings, and Equipment, Net$337,596$313,661▼ $23,935
Prepaid Expenses and Deferred Charges$35,977$36,400▲ $423
Total Assets$32,789,446$32,785,455▼ $3,991
Other Assets Total$422,940$869,306▲ $446,366
Liabilities
Other Liabilities$28,839,584$28,374,102▼ $465,482
Accounts Payable and Accrued Expenses$89,922$100,413▲ $10,491
Total Liabilities$28,929,506$28,474,515▼ $454,991
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,859,940$4,310,940▲ $451,000
Total Liabilities and Net Assets / Fund Balance$32,789,446$32,785,455▼ $3,991

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$256,389$361,300-
Land$27,719--
Equipment$29,553$417,699-
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Hilary FountainManager / CeFT$53,600$9,895$63,495

Board Members and Trustees

NameTitle
Eldon SeamanChairperson
Craig MillerVice Chairpe
Angela ReedBoard Member
Blaine TischerBoard Member
Michael MacdonaldBoard Member
Michael SkinnerBoard Member
Murray FountainSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,032,033
Investment Income
$288,475
Other Revenue
$43,190
Change in Net Assets
$522,107
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$472,883
Other Expenses$368,708
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$292,244--$292,244
Interest$182,367--$182,367
Other Employee Benefits$69,304--$69,304
Current Officers, Directors, Trustees, and Key Employees$53,600--$53,600
Office Expenses$34,060--$34,060
Depreciation Depletion$32,911--$32,911
Payroll Taxes$29,064--$29,064
Pension Plan Contributions$28,671--$28,671
Other Expenses$23,309--$23,309
Occupancy$16,682--$16,682
Fees for Services Accounting$12,827--$12,827
Conferences and Meetings$1,477--$1,477
All Other Expenses$-102,930--$-102,930
Total Functional Expenses$841,591$0$0$841,591
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$197,329$354,814▲ $157,485
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$28,421,067
Shared Branching Settlement$-46,965
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“Form 990 is reviewed by management and a copy is provided to public upon request.”

Form 990, Page 6, Part VI, Line 15A

“Form 990 part vi section b line 15a) reviewed quarterly by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Financials are posted on the bulletin board and available upon request.”

Filing and Contact Details

Filer

Filer Name
Detour Drummond Community Credit Un
EIN
38-1987607
Phone
9064935263
Address
34857 S TOWNLINE RD, DRUMMOND ISLAND, MI 49726

Signing Officer

Name
Hilary Fountain
Title
Manager / CEO
Phone
9064935263
Signed
2019-06-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hilary Fountain
Formed
1960
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
1
Employees
10

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Amber Mack CPA
Phone
9064955952
Raw XML AppendixShowing 400 of 440 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt089922
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0100413
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT OPERATIONS.
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0-102930
IRS990/AllOtherExpensesGrp/TotalAmt0-102930
IRS990/BooksInCareOfDetail/PersonNm0HILARY FOUNTAIN
IRS990/BooksInCareOfDetail/PhoneNum09064935263
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt034857 S TOWNLINE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0DRUMMOND ISLAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049726
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0550063
IRS990/CashNonInterestBearingGrp/EOYAmt0742625
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt053600
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt053600
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt01477
IRS990/ConferencesMeetingsGrp/TotalAmt01477
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0288475
IRS990/CYOtherExpensesAmt0368708
IRS990/CYOtherRevenueAmt043190
IRS990/CYProgramServiceRevenueAmt01032033
IRS990/CYRevenuesLessExpensesAmt0522107
IRS990/CYSalariesCompEmpBnftPaidAmt0472883
IRS990/CYTotalExpensesAmt0841591
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01363698
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt032911
IRS990/DepreciationDepletionGrp/TotalAmt032911
IRS990/Desc0PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT OPERATION.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt010
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0841591
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt012827
IRS990/FeesForServicesAccountingGrp/TotalAmt012827
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt79895
IRS990/Form990PartVIISectionAGrp/PersonNm0ELDON SEAMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1CRAIG MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm2MURRAY FOUNTAIN
IRS990/Form990PartVIISectionAGrp/PersonNm3ANGELA REED
IRS990/Form990PartVIISectionAGrp/PersonNm4BLAINE TISCHER
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL SKINNER
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL MACDONALD
IRS990/Form990PartVIISectionAGrp/PersonNm7HILARY FOUNTAIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt753600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER / CE
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01960
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01363698
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0182367
IRS990/InterestGrp/TotalAmt0182367
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0288475
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0288475
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0731
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0778999
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0337596
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0313661
IRS990/LandBldgEquipCostOrOtherBssAmt01092660
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT OPERATIONS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03859940
IRS990/NetAssetsOrFundBalancesEOYAmt04310940
IRS990/NetUnrlzdGainsLossesInvstAmt0-71107
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt016682
IRS990/OccupancyGrp/TotalAmt016682
IRS990/OfficeExpensesGrp/ProgramServicesAmt034060
IRS990/OfficeExpensesGrp/TotalAmt034060
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0422940
IRS990/OtherAssetsTotalGrp/EOYAmt0869306
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt069304
IRS990/OtherEmployeeBenefitsGrp/TotalAmt069304
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1ATM FEES
IRS990/OtherExpensesGrp/Desc2LOSS ON ASSET SALE
IRS990/OtherExpensesGrp/Desc3OFFICIALS
IRS990/OtherExpensesGrp/ProgramServicesAmt082994
IRS990/OtherExpensesGrp/ProgramServicesAmt159097
IRS990/OtherExpensesGrp/ProgramServicesAmt225914
IRS990/OtherExpensesGrp/ProgramServicesAmt323309
IRS990/OtherExpensesGrp/TotalAmt082994
IRS990/OtherExpensesGrp/TotalAmt159097
IRS990/OtherExpensesGrp/TotalAmt225914
IRS990/OtherExpensesGrp/TotalAmt323309
IRS990/OtherLiabilitiesGrp/BOYAmt028839584
IRS990/OtherLiabilitiesGrp/EOYAmt028374102
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0INTERCHANGE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt043190
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt043190
IRS990/OtherRevenueTotalAmt043190
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0292244
IRS990/OtherSalariesAndWagesGrp/TotalAmt0292244
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014571736
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt015402607
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt029064
IRS990/PayrollTaxesGrp/TotalAmt029064
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt028671
IRS990/PensionPlanContributionsGrp/TotalAmt028671
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt035977
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt036400
IRS990/PrincipalOfficerNm0HILARY FOUNTAIN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NCUSIF REFUND
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0924225
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt183331
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt224477
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0924225
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt183331
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt224477
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0215212
IRS990/PYOtherExpensesAmt0781458
IRS990/PYOtherRevenueAmt041400
IRS990/PYProgramServiceRevenueAmt01035129
IRS990/PYRevenuesLessExpensesAmt057270
IRS990/PYSalariesCompEmpBnftPaidAmt0453013
IRS990/PYTotalExpensesAmt01234471
IRS990/PYTotalRevenueAmt01291741
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0197329
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0354814
IRS990/ReconcilationRevenueExpnssAmt0522107
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03859940
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04310940
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016673805
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015066042
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0256389
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0361300
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0617689
IRS990ScheduleD/EquipmentGrp/BookValueAmt029553
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0417699
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0447252
IRS990ScheduleD/LandGrp/BookValueAmt027719
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt027719
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt028421067
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-46965
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARED BRANCHING SETTLEMENT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0313661
IRS990ScheduleD/TotalLiabilityAmt028374102
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0138287
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt181608
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt243788
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt325030
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt420881
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt514817
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt611107
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt711074
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt85588
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt92634
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4BOAT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7CAMPER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0147200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1111120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt248000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt332500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt425700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt518500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt613300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt711213
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt825500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt93000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0HILARY NELSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1ANGELA REED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CRAIG MILLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MICHAEL SKINNER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4ANGELA REED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5BLAINE TISCHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6ANGELA REED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7ELDON SEAMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8CRAIG MILLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9MURRAY FOUNTAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2VICE CHAIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8VICE CHAIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9SECRETARY/TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9true
IRS990ScheduleL/TotalBalanceDueAmt0354814
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS REVIEWED BY MANAGEMENT AND A COPY IS PROVIDED TO PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990 PART VI SECTION B LINE 15A) REVIEWED QUARTERLY BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FINANCIALS ARE POSTED ON THE BULLETIN BOARD AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt032789446
IRS990/TotalAssetsEOYAmt032785455
IRS990/TotalAssetsGrp/BOYAmt032789446
IRS990/TotalAssetsGrp/EOYAmt032785455
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0841591
IRS990/TotalFunctionalExpensesGrp/TotalAmt0841591
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt028929506
IRS990/TotalLiabilitiesEOYAmt028474515
IRS990/TotalLiabilitiesGrp/BOYAmt028929506
IRS990/TotalLiabilitiesGrp/EOYAmt028474515
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03859940
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04310940
IRS990/TotalOtherCompensationAmt09895
IRS990/TotalProgramServiceExpensesAmt0841591
IRS990/TotalProgramServiceRevenueAmt01032033
IRS990/TotalReportableCompFromOrgAmt053600
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01363698
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01363698
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt032789446
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032785455
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt034857 S TOWNLINE ROAD
IRS990/USAddress/CityNm0DRUMMOND ISLAND
IRS990/USAddress/StateAbbreviationCd0MI

Document Assets

No mirrored PDF or thumbnail assets are attached yet.