Civic Intelligence

Credit Unions Chartered in the State of Michigan Auto-Owners Associates Credit Union

EIN 38-6053685 • 501(c)14 • Lansing, MI

Profile

To encourage thrift among its members, provide a variety of financial services to its members, and provide an opportunity to its members to use and control their own money on a democratic basis in order to improve their economic and social condition.

Refreshing map…

6101 Anacapri BlvdLansing, MI 48917

www.aoacu.com

Siviq Scores

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

Liabilities / Assets

26th percentile

0.83x

Higher debt load relative to assets than 26% of similar nonprofits.

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

Liabilities / Revenue

77th percentile

19.53x

Higher debt load relative to revenue than 77% of similar nonprofits.

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

Net Margin

98th percentile

45%

Higher net margin than 98% of similar nonprofits.

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

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

12th percentile

-5.2%

Faster asset growth than 12% of similar nonprofits.

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

Revenue Growth

89th percentile

24%

Faster revenue growth than 89% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets26th percentile

Using 2023 Form 990 data because the latest 2024 filing does not report standard financial totals.

Assets

Down

$44,057,972

Down $1,405,238 (-3.1%) from 2022

Liabilities

Down

$37,842,411

Down $1,766,222 (-4.5%) from 2022

Net Assets

Up

$6,215,561

Up $360,984 (+6.2%) from 2022

Operations
Liabilities / Revenue77th percentileNet Margin98th percentile

Revenue

Up

$1,433,030

Up $390,043 (+37%) from 2022

Expenses

Up

$1,072,046

Up $349,892 (+48%) from 2022

Net Income

Up

$360,984

Up $40,151 (+13%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$60M$40M$20M$0Assets 2011: $28,711,358Liabilities 2011: $25,233,750Net Assets 2011: $3,477,6082011Assets 2012: $30,241,900Liabilities 2012: $26,692,786Net Assets 2012: $3,549,1142012Assets 2013: $29,871,502Liabilities 2013: $26,268,463Net Assets 2013: $3,603,0392013Assets 2014: $31,447,717Liabilities 2014: $27,771,648Net Assets 2014: $3,676,0692014Assets 2015: $31,360,207Liabilities 2015: $27,567,923Net Assets 2015: $3,792,2842015Assets 2016: $31,762,546Liabilities 2016: $27,802,092Net Assets 2016: $3,960,4542016Assets 2017: $34,037,404Liabilities 2017: $29,777,934Net Assets 2017: $4,259,4702017Assets 2018: $33,945,870Liabilities 2018: $29,338,114Net Assets 2018: $4,607,7562018Assets 2019: $35,272,373Liabilities 2019: $30,270,393Net Assets 2019: $5,001,9802019Assets 2020: $40,775,682Liabilities 2020: $35,479,428Net Assets 2020: $5,296,2542020Assets 2021: $45,899,560Liabilities 2021: $40,357,296Net Assets 2021: $5,542,2642021Assets 2022: $45,463,210Liabilities 2022: $39,608,633Net Assets 2022: $5,854,5772022Assets 2023: $44,057,972Liabilities 2023: $37,842,411Net Assets 2023: $6,215,5612023

Latest loaded filing

2023

Assets$44,057,972
Liabilities$37,842,411
Net Assets$6,215,561
Open 2023 Filing

Operations Trend

Revenue Growth89th percentile

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

$1.5M$1.0M$500K$0Expenses 2011: $925,0032011Expenses 2012: $820,8742012Revenue 2013: $815,227Expenses 2013: $761,303Net Income 2013: $53,9242013Revenue 2014: $814,277Expenses 2014: $741,247Net Income 2014: $73,0302014Revenue 2015: $836,074Expenses 2015: $719,859Net Income 2015: $116,2152015Revenue 2016: $863,436Expenses 2016: $695,266Net Income 2016: $168,1702016Revenue 2017: $946,824Expenses 2017: $647,808Net Income 2017: $299,0162017Revenue 2018: $1,113,210Expenses 2018: $764,924Net Income 2018: $348,2862018Revenue 2019: $1,174,115Expenses 2019: $779,891Net Income 2019: $394,2242019Revenue 2020: $1,047,711Expenses 2020: $753,437Net Income 2020: $294,2742020Revenue 2021: $989,604Expenses 2021: $743,594Net Income 2021: $246,0102021Revenue 2022: $1,042,987Expenses 2022: $722,154Net Income 2022: $320,8332022Revenue 2023: $1,433,030Expenses 2023: $1,072,046Net Income 2023: $360,9842023

Latest loaded filing

2023

Revenue$1,433,030
Expenses$1,072,046
Net Income$360,984
Open 2023 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
-
Liabilities
-
Net assets
-
Revenue
-
Expenses
-
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.1$37.8$6.22$1.43$1.07$0.36
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.5$39.6$5.85$1.04$0.72$0.32
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.9$40.4$5.54$0.99$0.74$0.25
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.8$35.5$5.30$1.05$0.75$0.29
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.3$30.3$5.00$1.17$0.78$0.39
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.9$29.3$4.61$1.11$0.76$0.35
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$34.0$29.8$4.26$0.95$0.65$0.30
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$27.8$3.96$0.86$0.70$0.17
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.4$27.6$3.79$0.84$0.72$0.12
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.4$27.8$3.68$0.81$0.74$0.07
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$29.9$26.3$3.60$0.82$0.76$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$26.7$3.55$0.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.7$25.2$3.48$0.93
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Apr 27, 2023
Return Version
2022v5.0
Gross Receipts
$1,042,987
Mission and Program Overview

Mission

To encourage thrift among its members, provide a variety of financial services to its members, and provide an opportunity for its members to use and control their own money on a democratic basis in order to improve their economic and social condition.

To encourage thrift among its members, provide a variety of financial services to its members and provide an opportunity for its members to use and control their own money on a democratic basis in order to improve their economic and social condition.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$22,043,468$20,043,299▼ $2,000,169
Savings and Temporary Cash Investments$15,268,950$16,301,351▲ $1,032,401
Other Notes and Loans Receivable, Net$7,817,937$8,315,841▲ $497,904
Rtn Earn Endowment Incm Other Fnds$5,542,264$5,854,577▲ $312,313
Cash and Non-Interest-Bearing Accounts$317,531$291,734▼ $25,797
Prepaid Expenses and Deferred Charges$32,195$20,528▼ $11,667
Land, Buildings, and Equipment, Net$2,782$2,094▼ $688
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$45,899,560$45,463,210▼ $436,350
Other Assets Total$416,697$488,363▲ $71,666
Liabilities
Other Liabilities$40,233,806$39,333,701▼ $900,105
Accounts Payable and Accrued Expenses$123,490$274,932▲ $151,442
Total Liabilities$40,357,296$39,608,633▼ $748,663
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,542,264$5,854,577▲ $312,313
Total Liabilities and Net Assets / Fund Balance$45,899,560$45,463,210▼ $436,350

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$2,094$14,078$16,172
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
David LeudersChairperson
Anne GruberVice Chair
Andrew TorreyDirector
Diana RiddleDirector
Matthew AshleyDirector
Patricia FoxCEO
Amy ChickSecretary
Trevor MahoneyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$556,706
Investment Income
$486,281
Other Revenue
$0
Change in Net Assets
$320,833
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$512,454
Salaries, Compensation, and Employee Benefits$209,700
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$237,638
Other Salaries and Wages---$209,700
Occupancy---$84,000
Interest---$73,918
Information Technology---$49,695
Insurance---$25,449
Fees for Services Other---$25,145
Fees for Services Accounting---$13,969
Depreciation Depletion---$2,385
Travel---$1,790
Other Expenses---$-6,600
Total Functional Expenses$0$0$0$722,154
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$39,333,701
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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 6

“Section 501c(14) 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. The returns are made available to the Board of Directors for review.”

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 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
Auto-Owners Associates Credit Union
EIN
38-6053685
Phone
5173231370
Address
6101 Anacapri Blvd, Lansing, MI 48917

Signing Officer

Name
Patricia Fox
Title
CEO
Signed
2023-04-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patricia Fox
Formed
1948
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
1
Volunteers
7

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Patrick Haughey
Phone
8005225820
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“PRIOR PERIOD ADJUSTMENTS TO Recognize Unrecorded Expense = -$8520”

Raw XML Appendix376 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/BOYAmt0123490
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0274932
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To encourage thrift among its members, provide a variety of financial services to its members and provide an opportunity for its members to use and control their own money on a democratic basis in order to improve their economic and social condition.
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Patricia Fox
IRS990/BooksInCareOfDetail/PhoneNum05173231370
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06101 Anacapri Blvd
IRS990/BooksInCareOfDetail/USAddress/CityNm0Lansing
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048917
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0317531
IRS990/CashNonInterestBearingGrp/EOYAmt0291734
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0486281
IRS990/CYOtherExpensesAmt0512454
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0556706
IRS990/CYRevenuesLessExpensesAmt0320833
IRS990/CYSalariesCompEmpBnftPaidAmt0209700
IRS990/CYTotalExpensesAmt0722154
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01042987
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt02385
IRS990/Desc0Provide deposit accounts including Share Drafts, Certificates, Christmas Clubs and Savings accounts to 2,820 members, as of December 31, 2022.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt01
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt013969
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt025145
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
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/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0Amy Chick
IRS990/Form990PartVIISectionAGrp/PersonNm1Anne Gruber
IRS990/Form990PartVIISectionAGrp/PersonNm2Diana Riddle
IRS990/Form990PartVIISectionAGrp/PersonNm3David Leuders
IRS990/Form990PartVIISectionAGrp/PersonNm4Matthew Ashley
IRS990/Form990PartVIISectionAGrp/PersonNm5Trevor Mahoney
IRS990/Form990PartVIISectionAGrp/PersonNm6Andrew Torrey
IRS990/Form990PartVIISectionAGrp/PersonNm7Patricia Fox
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01948
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01042987
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt049695
IRS990/InsuranceGrp/TotalAmt025449
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt073918
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0486281
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0486281
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt022043468
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt020043299
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0701
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt014078
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02782
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02094
IRS990/LandBldgEquipCostOrOtherBssAmt016172
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To encourage thrift among its members, provide a variety of financial services to its members and provide an opportunity for its members to use and control their own money on a democratic basis in order to improve their economic and social condition.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05542264
IRS990/NetAssetsOrFundBalancesEOYAmt05854577
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt084000
IRS990/OfficeExpensesGrp/TotalAmt0237638
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0416697
IRS990/OtherAssetsTotalGrp/EOYAmt0488363
IRS990/OtherChangesInNetAssetsAmt0-8520
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Miscellaneous Expenses
IRS990/OtherExpensesGrp/Desc2Cash Over & Short
IRS990/OtherExpensesGrp/Desc3Provision for Loan Losses
IRS990/OtherExpensesGrp/TotalAmt04137
IRS990/OtherExpensesGrp/TotalAmt1895
IRS990/OtherExpensesGrp/TotalAmt233
IRS990/OtherExpensesGrp/TotalAmt3-6600
IRS990/OtherLiabilitiesGrp/BOYAmt040233806
IRS990/OtherLiabilitiesGrp/EOYAmt039333701
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0209700
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07817937
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08315841
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt032195
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt020528
IRS990/PrincipalOfficerNm0Patricia Fox
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Fee & Other Income
IRS990/ProgramServiceRevenueGrp/Desc1Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0241216
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1315490
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0241216
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1315490
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide members with 934 loans including Credit Cards, Signature, New and Use Vehicles and Recreational Vehicles as of December 31, 2022.
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer ATM & Debit Cards, Travel Money Cards, Gift Cards, Wire Transfers, Money Orders, Electronic Banking (ACH), Web Banking, Mobile, App, Mobile Deposit, Free Bill Pay, and E-signature documents to all eligible members.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0409287
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0525603
IRS990/PYProgramServiceRevenueAmt0580317
IRS990/PYRevenuesLessExpensesAmt0246010
IRS990/PYSalariesCompEmpBnftPaidAmt0217991
IRS990/PYTotalExpensesAmt0743594
IRS990/PYTotalRevenueAmt0989604
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0320833
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05542264
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05854577
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015268950
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016301351
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02094
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt014078
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt016172
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt039333701
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02094
IRS990ScheduleD/TotalBookValueSecuritiesAmt020043299
IRS990ScheduleD/TotalLiabilityAmt039333701
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews tax returns and forwards US Form 8879-TE to tax preparer. The returns are made available to the Board of Directors for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit 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/ExplanationTxt7PRIOR PERIOD ADJUSTMENTS TO Recognize Unrecorded Expense = -$8520
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt045899560
IRS990/TotalAssetsEOYAmt045463210
IRS990/TotalAssetsGrp/BOYAmt045899560
IRS990/TotalAssetsGrp/EOYAmt045463210
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0722154
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt040357296
IRS990/TotalLiabilitiesEOYAmt039608633
IRS990/TotalLiabilitiesGrp/BOYAmt040357296
IRS990/TotalLiabilitiesGrp/EOYAmt039608633
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05542264
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05854577
IRS990/TotalProgramServiceRevenueAmt0556706
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01042987
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01042987
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt045899560
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt045463210
IRS990/TravelGrp/TotalAmt01790
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt06101 Anacapri Blvd
IRS990/USAddress/CityNm0Lansing
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048917
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.aoacu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Patricia Fox
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-04-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Auto-Owners Associates Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0AUTO
ReturnHeader/Filer/EIN0386053685
ReturnHeader/Filer/PhoneNum05173231370
ReturnHeader/Filer/USAddress/AddressLine1Txt06101 Anacapri Blvd
ReturnHeader/Filer/USAddress/CityNm0Lansing
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048917
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
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Patrick Haughey
ReturnHeader/ReturnTs02023-04-27T07:55:09-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Patricia
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Fox
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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