Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2022 • EIN 38-1987607

Jan 01, 2022 to Dec 31, 2022 • Filed on Mar 23, 2023

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

57th percentile

0.89x

Higher debt load relative to assets than 57% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

71st percentile

27.00x

Higher debt load relative to revenue than 71% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Net Margin

79th percentile

20%

Higher net margin than 79% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

18th percentile

$72,995

Higher top officer pay than 18% of similar nonprofits.

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

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Asset Growth

27th percentile

-2.4%

Faster asset growth than 27% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

74th percentile

16%

Faster revenue growth than 74% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets57th percentile

Assets

Down

$43,137,692

Down $1,070,385 (-2.4%) from 2021

Net Assets

Down

$4,673,036

Down $645,980 (-12%) from 2021

Liabilities

Down

$38,464,656

Down $424,405 (-1.1%) from 2021

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin79th percentile

Revenue

Up

$1,424,838

Up $199,924 (+16%) from 2021

Expenses

Up

$1,145,514

Up $42,050 (+3.8%) from 2021

Net Income

Up

$279,324

Up $157,874 (+130%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth27th 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

2022

Assets$43,137,692
Liabilities$38,464,656
Net Assets$4,673,036
Open 2022 Filing

Operations Trend

Revenue Growth74th 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

2022

Revenue$1,424,838
Expenses$1,145,514
Net Income$279,324
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Mar 23, 2023
Return Version
2022v5.0
Gross Receipts
$1,424,838
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$27,399,054$25,390,829▼ $2,008,225
Other Notes and Loans Receivable, Net$13,654,860$14,513,236▲ $858,376
Rtn Earn Endowment Incm Other Fnds$5,319,016$4,673,036▼ $645,980
Land, Buildings, and Equipment, Net$1,444,156$1,347,812▼ $96,344
Cash and Non-Interest-Bearing Accounts$875,382$884,734▲ $9,352
Receivables From Officers Etc$48,036$160,564▲ $112,528
Prepaid Expenses and Deferred Charges$39,359$35,400▼ $3,959
Total Assets$44,208,077$43,137,692▼ $1,070,385
Other Assets Total$747,230$805,117▲ $57,887
Liabilities
Other Liabilities$38,588,166$38,229,024▼ $359,142
Accounts Payable and Accrued Expenses$300,895$235,632▼ $65,263
Total Liabilities$38,889,061$38,464,656▼ $424,405
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,319,016$4,673,036▼ $645,980
Total Liabilities and Net Assets / Fund Balance$44,208,077$43,137,692▼ $1,070,385

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,185,464$542,688-
Land$27,719--
Equipment$134,629$533,158-
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Hilary FountainManager / CeFT$61,729$11,266$72,995

Board Members and Trustees

NameTitle
Eldon SeamanChairperson
Blaine TischerBoard Member
Jodi VredenurgBoard Member
Michael SkinnerBoard Member
Rebecca FarrellBoard Member
Susan GableBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$957,535
Investment Income
$467,303
Other Revenue
$0
Change in Net Assets
$279,324
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$606,010
Salaries, Compensation, and Employee Benefits$539,504
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$345,842--$345,842
Interest$117,448--$117,448
Depreciation Depletion$98,131--$98,131
Other Employee Benefits$67,824--$67,824
Current Officers, Directors, Trustees, and Key Employees$61,729--$61,729
All Other Expenses$54,512--$54,512
Occupancy$36,753--$36,753
Office Expenses$35,284--$35,284
Pension Plan Contributions$32,235--$32,235
Payroll Taxes$31,874--$31,874
Other Expenses$26,762--$26,762
Fees for Services Accounting$10,594--$10,594
Conferences and Meetings$824--$824
Insurance$159--$159
Total Functional Expenses$1,145,514$0$0$1,145,514
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$48,036$160,564▲ $112,528
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$38,226,885
Shared Branching Settlement$2,139
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
2023-03-23
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
12

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Amber Mack
Phone
9064955952
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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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IRS990ScheduleD/TotalLiabilityAmt038229024
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt131900
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt315000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt413926
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt53877
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt62970
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt71382
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5CAMPER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt068116
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt136366
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt227279
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt315000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt430842
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt511213
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt632500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt71201
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0HILARY FOUNTAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GABLE SUSAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2REBECCA FARRELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3HILARY FOUNTAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4BLAINE TISCHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5ELDON SEAMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MICHAEL SKINNER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7REBECCA FARRELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0160564
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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/BOYAmt044208077
IRS990/TotalAssetsGrp/EOYAmt043137692
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
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IRS990/TotalFunctionalExpensesGrp/TotalAmt01145514
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/BOYAmt038889061
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IRS990/TotalOtherCompensationAmt011266
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IRS990/TotalProgramServiceRevenueAmt0957535
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01424838
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt043137692
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/USAddress/ZIPCd049726
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IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.DDCCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HILARY FOUNTAIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER / CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09064935263
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-03-23
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ReturnHeader/Filer/PhoneNum09064935263
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ReturnHeader/Filer/USAddress/CityNm0DRUMMOND ISLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049726
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$43,137,692
Liabilities
$38,464,656
Net assets
$4,673,036
Revenue
$1,424,838
Expenses
$1,145,514
Net income
$279,324
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
2022Detailed filing. Detailed filing data is available for this year.$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