Civic Intelligence

Credit Unions Chartered in the State of Michigan Credit Union Advantage

EIN 38-2344084 • 501(c)14 • Southfield, MI

Profile

Credit union advantage is committed to providing a range of safe, secure, convenient innovated financial products and services exclusively for its members.

22250 Providence DrSouthfield, MI 48075

n/A

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

Higher debt load relative to assets than 92% of similar nonprofits.

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

Liabilities / Revenue

71st percentile

21.49x

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

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

Net Margin

9th percentile

-15%

Higher net margin than 9% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

14th percentile

-6.2%

Faster asset growth than 14% of similar nonprofits.

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

Revenue Growth

9th percentile

-9.5%

Faster revenue growth than 9% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$0

Down $29,135,118 (-100%) from 2023

Liabilities

Down

$0

Down $27,030,473 (-100%) from 2023

Net Assets

Down

$0

Down $2,104,645 (-100%) from 2023

Operations
Liabilities / Revenue71st percentileNet Margin9th percentile

Revenue

Up

$1,296,195

Up $38,093 (+3.0%) from 2023

Expenses

Down

$1,394,791

Down $46,546 (-3.2%) from 2023

Net Income

Up

-$98,596

Up $84,639 (+46%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

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

$40M$30M$20M$10M$0Assets 2010: $31,457,426Liabilities 2010: $29,226,471Net Assets 2010: $2,230,9552010Assets 2011: $31,260,026Liabilities 2011: $28,612,414Net Assets 2011: $2,647,6122011Assets 2012: $29,221,112Liabilities 2012: $26,120,993Net Assets 2012: $3,100,1192012Assets 2013: $26,992,505Liabilities 2013: $23,915,266Net Assets 2013: $3,077,2392013Assets 2014: $26,836,349Liabilities 2014: $23,811,016Net Assets 2014: $3,025,3332014Assets 2015: $26,236,095Liabilities 2015: $23,194,624Net Assets 2015: $3,041,4712015Assets 2016: $28,234,774Liabilities 2016: $25,005,969Net Assets 2016: $3,228,8052016Assets 2017: $29,260,256Liabilities 2017: $26,111,315Net Assets 2017: $3,148,9412017Assets 2018: $28,750,121Liabilities 2018: $25,827,277Net Assets 2018: $2,922,8442018Assets 2019: $27,703,140Liabilities 2019: $23,981,159Net Assets 2019: $3,721,9812019Assets 2020: $30,837,261Liabilities 2020: $26,763,679Net Assets 2020: $4,073,5822020Assets 2021: $31,291,747Liabilities 2021: $27,713,629Net Assets 2021: $3,578,1182021Assets 2022: $31,067,431Liabilities 2022: $29,279,440Net Assets 2022: $1,787,9912022Assets 2023: $29,135,118Liabilities 2023: $27,030,473Net Assets 2023: $2,104,6452023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth9th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,188,9162010Expenses 2011: $1,465,8312011Revenue 2012: $1,678,715Expenses 2012: $1,299,653Net Income 2012: $379,0622012Revenue 2013: $1,544,601Expenses 2013: $1,348,311Net Income 2013: $196,2902013Revenue 2014: $1,454,403Expenses 2014: $1,387,548Net Income 2014: $66,8552014Revenue 2015: $1,429,567Expenses 2015: $1,380,098Net Income 2015: $49,4692015Revenue 2016: $1,450,808Expenses 2016: $1,399,681Net Income 2016: $51,1272016Revenue 2017: $1,523,540Expenses 2017: $1,433,312Net Income 2017: $90,2282017Revenue 2018: $1,586,992Expenses 2018: $1,479,705Net Income 2018: $107,2872018Revenue 2019: $1,560,586Expenses 2019: $1,339,068Net Income 2019: $221,5182019Revenue 2020: $1,307,240Expenses 2020: $1,270,110Net Income 2020: $37,1302020Revenue 2021: $1,264,891Expenses 2021: $1,265,127Net Income 2021: -$2362021Revenue 2022: $1,390,903Expenses 2022: $1,300,664Net Income 2022: $90,2392022Revenue 2023: $1,258,102Expenses 2023: $1,441,337Net Income 2023: -$183,2352023Revenue 2024: $1,296,195Expenses 2024: $1,394,791Net Income 2024: -$98,5962024

Highlighted filing

2024

Revenue$1,296,195
Expenses$1,394,791
Net Income-$98,596
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,296,195
Expenses
$1,394,791
Net income
-$98,596
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.30$1.39$0.10
2023Detailed filing. Detailed filing data is available for this year.$29.1$27.0$2.10$1.26$1.44$0.18
2022Detailed filing. Detailed filing data is available for this year.$31.1$29.3$1.79$1.39$1.30$0.09
2021Detailed filing. Detailed filing data is available for this year.$31.3$27.7$3.58$1.26$1.27$0.00
2020Detailed filing. Detailed filing data is available for this year.$30.8$26.8$4.07$1.31$1.27$0.04
2019Detailed filing. Detailed filing data is available for this year.$27.7$24.0$3.72$1.56$1.34$0.22
2018Detailed filing. Detailed filing data is available for this year.$28.8$25.8$2.92$1.59$1.48$0.11
2017Detailed filing. Detailed filing data is available for this year.$29.3$26.1$3.15$1.52$1.43$0.09
2016Detailed filing. Detailed filing data is available for this year.$28.2$25.0$3.23$1.45$1.40$0.05
2015Detailed filing. Detailed filing data is available for this year.$26.2$23.2$3.04$1.43$1.38$0.05
2014Detailed filing. Detailed filing data is available for this year.$26.8$23.8$3.03$1.45$1.39$0.07
2013Detailed filing. Detailed filing data is available for this year.$27.0$23.9$3.08$1.54$1.35$0.20
2012Summary only. Only limited summary data is available for this year.$29.2$26.1$3.10$1.68$1.30$0.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.3$28.6$2.65$1.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.5$29.2$2.23$2.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 16, 2025
Return Version
2024v5.1
Gross Receipts
$1,296,195
Mission and Program Overview

Mission

Credit Union Advantage is committed to providing a range of safe, secure, convenient innovated financial products and services exclusively for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$18,768,698$0▼ $18,768,698
Other Notes and Loans Receivable, Net$8,552,962$0▼ $8,552,962
Rtn Earn Endowment Incm Other Fnds$2,104,645--
Investments Other Securities$649,780$0▼ $649,780
Cash and Non-Interest-Bearing Accounts$400,860$0▼ $400,860
Land, Buildings, and Equipment, Net$86,806$0▼ $86,806
Prepaid Expenses and Deferred Charges$65,783$0▼ $65,783
Accounts Receivable$22,677$0▼ $22,677
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Savings and Temporary Cash Investments$-32,671$0▲ $32,671
Total Assets$29,135,118$0▼ $29,135,118
Other Assets Total$620,223$0▼ $620,223
Liabilities
Other Liabilities$26,894,832--
Accounts Payable and Accrued Expenses$135,641--
Total Liabilities$27,030,473$0▼ $27,030,473
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,104,645$0▼ $2,104,645
Total Liabilities and Net Assets / Fund Balance$29,135,118$0▼ $29,135,118
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janice ZuchowiczCEOFT$159,469$15,311$174,780

Board Members and Trustees

NameTitle
Michele CiokajloChairman
Debra BonamyDirector
Michael BurkeDirector
Saundia CatoDirector
Katrina SummersettSecretary
Sharon WallaceTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiServ GalaxyData Processing5600 Crooks Rd, Troy, MI 48084$120,358
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,013,408
Investment Income
$282,787
Other Revenue
$0
Change in Net Assets
$-98,596
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$974,587
Salaries, Compensation, and Employee Benefits$420,204
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$309,048
Interest---$244,579
Other Salaries and Wages---$175,109
Current Officers, Directors, Trustees, and Key Employees---$174,780
Information Technology---$123,915
Occupancy---$86,548
Payroll Taxes---$29,427
Pension Plan Contributions---$24,977
Insurance---$21,163
Advertising---$19,827
Other Employee Benefits---$15,911
Depreciation Depletion---$12,521
Other Expenses---$4,356
Payments to Affiliates---$4,128
Travel---$3,850
All Other Expenses---$-10,179
Total Functional Expenses$0$0$0$1,394,791
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Michele Ciokajlo and Sharon Wallace are business partners.”

Form 990, Part VI, Section A, Line 6

“Section 501c14 credit union is composed of members.”

Form 990, Part VI, Section A, Line 7A

“Members vote on bylaw and charter changes. Members vote and elect board members at annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Mergers are voted on by entire membership.”

Form 990, Part VI, Section B, Line 11B

“Management reviews tax returns and forwards us form 8879-te to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Section B, Line 12C

“Employee loans are management approved. Management loans are board approved. Loans to board members are approved by the board minus the lendee.”

Form 990, Part VI, Section B, Line 15A

“Executive and employee salaries are board reviewed and approved. Board of directors are not compensated”

Form 990, Part VI, Section B, Line 15B

“Executive and employee salaries are board reviewed and approved. Board of directors are not compensated”

Form 990, Part VI, Section C, Line 19

“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.”

Filing and Contact Details

Filer

Filer Name
Credit Union Advantage
EIN
38-2344084
Phone
2489966069
Address
22250 PROVIDENCE DR, SOUTHFIELD, MI 48075

Signing Officer

Name
Janice Zuchowicz
Title
CEO
Signed
2025-04-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Janice Zuchowicz
Formed
1969
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
8
Volunteers
9

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Transferred equity = -$2006049”

Raw XML AppendixShowing 400 of 408 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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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01743
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt086548
IRS990/OfficeExpensesGrp/TotalAmt0309048
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0620223
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt0-2006049
IRS990/OtherEmployeeBenefitsGrp/TotalAmt015911
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROFESSIONAL & OUTSIDE SERV
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3MISC EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0109350
IRS990/OtherExpensesGrp/TotalAmt139567
IRS990/OtherExpensesGrp/TotalAmt25914
IRS990/OtherExpensesGrp/TotalAmt34356
IRS990/OtherLiabilitiesGrp/BOYAmt026894832
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0175109
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt08552962
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt04128
IRS990/PayrollTaxesGrp/TotalAmt029427
IRS990/PensionPlanContributionsGrp/TotalAmt024977
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt065783
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0JANICE ZUCHOWICZ
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IRS990/ProgramServiceRevenueGrp/Desc0FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc3MISC INCOME
IRS990/ProgramServiceRevenueGrp/Desc4NON MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0482323
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1513014
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0482323
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15762
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2513014
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt312309
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt05762
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt112309
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0289865
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01003741
IRS990/PYProgramServiceRevenueAmt0968237
IRS990/PYRevenuesLessExpensesAmt0-183235
IRS990/PYSalariesCompEmpBnftPaidAmt0437596
IRS990/PYTotalExpensesAmt01441337
IRS990/PYTotalRevenueAmt01258102
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-98596
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IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02104645
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0-32671
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
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IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt02121
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt013190
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JANICE ZUCHOWICZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0174780
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleN/AssetsDistributedInd0true
IRS990ScheduleN/AttorneyGeneralNotifiedInd0false
IRS990ScheduleN/BondLiabilitiesDischargedInd0false
IRS990ScheduleN/BondsOutstandingInd0false
IRS990ScheduleN/DirectorOfSuccessorInd0false
IRS990ScheduleN/EmployeeOfSuccessorInd0true
IRS990ScheduleN/LiabilitiesPaidInd0true
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0Assets Transferred
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02024-12-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0381569911
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt028388332
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0EXPERT OPINION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt017250 NEWBURGH RD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0LIVONIA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd048152
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0false
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0THE CEO WILL BECOME AN EMPLOYEE OF THE TRANSFEREE ORGANIZATION.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Sch N, Part III, Additional Information
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Michele Ciokajlo and Sharon Wallace are business partners.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CREDIT 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9TRANSFERRED EQUITY = -$2006049
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part XI, Line 9
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt029135118
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt029135118
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01394791
IRS990/TotalGrossUBIAmt018071
IRS990/TotalLiabilitiesBOYAmt027030473
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt027030473
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02104645
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt015311
IRS990/TotalProgramServiceRevenueAmt01013408
IRS990/TotalReportableCompFromOrgAmt0159469
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01278124
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01296195
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt018071
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt029135118
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/TotalAmt03850
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt022250 PROVIDENCE DR
IRS990/USAddress/CityNm0SOUTHFIELD
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048075
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JANICE ZUCHOWICZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT UNION ADVANTAGE
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0382344084
ReturnHeader/Filer/PhoneNum02489966069
ReturnHeader/Filer/USAddress/AddressLine1Txt022250 PROVIDENCE DR
ReturnHeader/Filer/USAddress/CityNm0SOUTHFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048075
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY

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