Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2023 • EIN 38-1987607

Jan 01, 2023 to Dec 31, 2023 • Filed on Mar 28, 2024

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

34th percentile

0.85x

Higher debt load relative to assets than 34% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

43rd percentile

17.03x

Higher debt load relative to revenue than 43% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

96th percentile

36%

Higher net margin than 96% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

18th percentile

$76,773

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Asset Growth

6th percentile

-11%

Faster asset growth than 6% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

83rd percentile

36%

Faster revenue growth than 83% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets34th percentile

Assets

Down

$38,561,038

Down $4,576,654 (-11%) from 2022

Net Assets

Up

$5,595,152

Up $922,116 (+20%) from 2022

Liabilities

Down

$32,965,886

Down $5,498,770 (-14%) from 2022

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin96th percentile

Revenue

Up

$1,936,310

Up $511,472 (+36%) from 2022

Expenses

Up

$1,237,635

Up $92,121 (+8.0%) from 2022

Net Income

Up

$698,675

Up $419,351 (+150%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth6th 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

2023

Assets$38,561,038
Liabilities$32,965,886
Net Assets$5,595,152
Open 2023 Filing

Operations Trend

Revenue Growth83rd 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

2023

Revenue$1,936,310
Expenses$1,237,635
Net Income$698,675
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Mar 28, 2024
Return Version
2023v5.0
Gross Receipts
$1,936,310
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$25,390,829$19,212,299▼ $6,178,530
Other Notes and Loans Receivable, Net$14,513,236$16,034,380▲ $1,521,144
Rtn Earn Endowment Incm Other Fnds$4,673,036$5,595,152▲ $922,116
Land, Buildings, and Equipment, Net$1,347,812$1,274,905▼ $72,907
Cash and Non-Interest-Bearing Accounts$884,734$981,269▲ $96,535
Receivables From Officers Etc$160,564$200,779▲ $40,215
Prepaid Expenses and Deferred Charges$35,400$62,136▲ $26,736
Total Assets$43,137,692$38,561,038▼ $4,576,654
Other Assets Total$805,117$795,270▼ $9,847
Liabilities
Other Liabilities$38,229,024$32,660,449▼ $5,568,575
Accounts Payable and Accrued Expenses$235,632$305,437▲ $69,805
Total Liabilities$38,464,656$32,965,886▼ $5,498,770
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,673,036$5,595,152▲ $922,116
Total Liabilities and Net Assets / Fund Balance$43,137,692$38,561,038▼ $4,576,654

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,147,396$594,844-
Land$27,719--
Equipment$99,790$574,240-
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Hilary FountainManager / CeFT$65,059$11,714$76,773

Board Members and Trustees

NameTitle
Eldon SeamanChairperson
Blaine TischerBoard Member
Craig MillerBoard Member
Michael SkinnerBoard Member
Paul BarbeauxBoard Member
Rebecca FarrellBoard Member
Susan GableBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,396,315
Investment Income
$539,995
Other Revenue
$0
Change in Net Assets
$698,675
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$660,246
Salaries, Compensation, and Employee Benefits$577,389
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$367,323--$367,323
Interest$105,496--$105,496
All Other Expenses$103,538--$103,538
Depreciation Depletion$101,879--$101,879
Other Employee Benefits$76,114--$76,114
Current Officers, Directors, Trustees, and Key Employees$65,059--$65,059
Office Expenses$40,992--$40,992
Occupancy$37,086--$37,086
Pension Plan Contributions$34,826--$34,826
Payroll Taxes$34,067--$34,067
Other Expenses$27,502--$27,502
Fees for Services Accounting$15,381--$15,381
Conferences and Meetings$1,398--$1,398
Total Functional Expenses$1,237,635$0$0$1,237,635
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$160,564$200,779▲ $40,215
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS$32,656,228
Shared Branching Settlement$4,221
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
2024-03-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hilary Fountain
Formed
1960
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
12

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Tori Kruise CPA
Phone
9064955952
Raw XML AppendixShowing 400 of 413 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/BalanceDueAmt325134
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt515423
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7CONSUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt068116
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt131175
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt230052
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt328000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt436366
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt527279
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt615000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt730842
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2ELDON SEAMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MICHAEL SKINNER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7BLAINE TISCHER
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IRS990ScheduleL/TotalBalanceDueAmt0200779
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
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ReturnHeader/BusinessOfficerGrp/PersonNm0HILARY FOUNTAIN
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ReturnHeader/BusinessOfficerGrp/PhoneNum09064935263
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ReturnHeader/Filer/USAddress/CityNm0DRUMMOND ISLAND
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0381977929
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSONTACKMAN & COMPANY PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt016978 S RILEY AVE

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,561,038
Liabilities
$32,965,886
Net assets
$5,595,152
Revenue
$1,936,310
Expenses
$1,237,635
Net income
$698,675
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
2023Detailed filing. Detailed filing data is available for this year.$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