Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2021 • EIN 38-1987607

Jan 01, 2021 to Dec 31, 2021 • Filed on Jun 24, 2022

Organization ProfileWWW.DDCCU.COM
34857 S Townline RdDrummond Island, MI 49726

(906) 493-5263

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

47th percentile

0.88x

Higher debt load relative to assets than 47% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

80th percentile

31.75x

Higher debt load relative to revenue than 80% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Net Margin

50th percentile

9.9%

Higher net margin than 50% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

17th percentile

$69,188

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Asset Growth

79th percentile

13%

Faster asset growth than 79% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

23rd percentile

-9.1%

Faster revenue growth than 23% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$44,208,077

Up $4,988,187 (+13%) from 2020

Net Assets

Down

$5,319,016

Down $186,828 (-3.4%) from 2020

Liabilities

Up

$38,889,061

Up $5,175,015 (+15%) from 2020

Revenue And Expenses
Liabilities / Revenue80th percentileNet Margin50th percentile

Revenue

Down

$1,224,914

Down $122,186 (-9.1%) from 2020

Expenses

Up

$1,103,464

Up $15,838 (+1.5%) from 2020

Net Income

Down

$121,450

Down $138,024 (-53%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth79th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2021

Assets$44,208,077
Liabilities$38,889,061
Net Assets$5,319,016
Open 2021 Filing

Operations Trend

Revenue Growth23rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2021

Revenue$1,224,914
Expenses$1,103,464
Net Income$121,450
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jun 24, 2022
Return Version
2021v4.0
Gross Receipts
$1,224,914
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
Savings and Temporary Cash Investments$22,264,054$27,399,054▲ $5,135,000
Other Notes and Loans Receivable, Net$13,962,728$13,654,860▼ $307,868
Rtn Earn Endowment Incm Other Fnds$5,505,844$5,319,016▼ $186,828
Land, Buildings, and Equipment, Net$1,478,626$1,444,156▼ $34,470
Cash and Non-Interest-Bearing Accounts$969,649$875,382▼ $94,267
Receivables From Officers Etc$141,083$48,036▼ $93,047
Prepaid Expenses and Deferred Charges$48,529$39,359▼ $9,170
Total Assets$39,219,890$44,208,077▲ $4,988,187
Other Assets Total$355,221$747,230▲ $392,009
Liabilities
Other Liabilities$33,299,444$38,588,166▲ $5,288,722
Accounts Payable and Accrued Expenses$414,602$300,895▼ $113,707
Total Liabilities$33,714,046$38,889,061▲ $5,175,015
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,505,844$5,319,016▼ $186,828
Total Liabilities and Net Assets / Fund Balance$39,219,890$44,208,077▲ $4,988,187

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,237,450$490,702-
Land$27,719--
Equipment$178,987$487,013-
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Hilary FountainManager / CeFT$55,358$13,830$69,188

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$860,287
Investment Income
$297,117
Other Revenue
$67,510
Change in Net Assets
$121,450
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$628,228
Salaries, Compensation, and Employee Benefits$475,236
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$299,614--$299,614
Interest$154,214--$154,214
Depreciation Depletion$97,020--$97,020
All Other Expenses$83,887--$83,887
Other Employee Benefits$64,073--$64,073
Current Officers, Directors, Trustees, and Key Employees$55,358--$55,358
Occupancy$38,593--$38,593
Office Expenses$32,648--$32,648
Payroll Taxes$28,355--$28,355
Pension Plan Contributions$27,836--$27,836
Other Expenses$21,833--$21,833
Fees for Services Accounting$10,654--$10,654
Conferences and Meetings$375--$375
Total Functional Expenses$1,103,464$0$0$1,103,464
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$141,083$48,036▼ $93,047
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$38,592,764
Shared Branching Settlement$-4,598
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
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 prior to filing”

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
2022-06-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hilary Fountain
Formed
1960
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
11

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Amber Mack CPA
Phone
9064955952
Raw XML Appendix372 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.

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CAMPER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt030842
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt114421
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt232500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt311213
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt418500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BLAINE TISCHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1HILARY FOUNTAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MICHAEL SKINNER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3ELDON SEAMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4BLAINE TISCHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt048036
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS REVIEWED BY MANAGEMENT PRIOR TO FILING
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/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt039219890
IRS990/TotalAssetsEOYAmt044208077
IRS990/TotalAssetsGrp/BOYAmt039219890
IRS990/TotalAssetsGrp/EOYAmt044208077
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01103464
IRS990/TotalFunctionalExpensesGrp/TotalAmt01103464
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt033714046
IRS990/TotalLiabilitiesEOYAmt038889061
IRS990/TotalLiabilitiesGrp/BOYAmt033714046
IRS990/TotalLiabilitiesGrp/EOYAmt038889061
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05505844
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05319016
IRS990/TotalOtherCompensationAmt013830
IRS990/TotalProgramServiceExpensesAmt01103464
IRS990/TotalProgramServiceRevenueAmt0860287
IRS990/TotalReportableCompFromOrgAmt055358
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01224914
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01224914
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt039219890
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt044208077
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt034857 S TOWNLINE ROAD
IRS990/USAddress/CityNm0DRUMMOND ISLAND
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049726
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.DDCCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HILARY FOUNTAIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER / CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09064935263
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-06-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DETOUR DRUMMOND COMMUNITY CREDIT UN
ReturnHeader/Filer/BusinessNameControlTxt0DETO
ReturnHeader/Filer/EIN0381987607
ReturnHeader/Filer/PhoneNum09064935263
ReturnHeader/Filer/USAddress/AddressLine1Txt034857 S TOWNLINE RD
ReturnHeader/Filer/USAddress/CityNm0DRUMMOND ISLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049726
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0381977929
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSONTACKMAN & COMPANY PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt016978 S RILEY AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0KINCHELOE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049788
ReturnHeader/PreparerPersonGrp/PhoneNum09064955952
ReturnHeader/PreparerPersonGrp/PreparationDt02022-07-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMBER MACK CPA
ReturnHeader/ReturnTs02022-07-18T13:11:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0HILARY
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0FOUNTAIN
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$44,208,077
Liabilities
$38,889,061
Net assets
$5,319,016
Revenue
$1,224,914
Expenses
$1,103,464
Net income
$121,450
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
2021Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

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