Civic Intelligence

Credit Unions Chartered in the State of Michigan

EIN 38-6064790 • 501(c)14 • Manistee, MI

Profile

Building member-owned, life-long relationships, one member at a time.

PO Box 375Manistee, MI 49660

www.filercu.com

Siviq Scores

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

Liabilities / Assets

71st percentile

0.91x

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

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

17.83x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

66th percentile

16%

Higher net margin than 66% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

37th percentile

$206,818

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

37th percentile

1.4%

Faster asset growth than 37% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

79th percentile

20%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

Up

$236,137,876

Up $3,229,951 (+1.4%) from 2023

Liabilities

Up

$214,083,484

Up $621,684 (+0.3%) from 2023

Net Assets

Up

$22,054,392

Up $2,608,267 (+13%) from 2023

Revenue

Up

$12,009,346

Up $1,989,853 (+20%) from 2023

Expenses

Up

$10,127,719

Up $1,899,127 (+23%) from 2023

Net Income

Up

$1,881,627

Up $90,726 (+5.1%) from 2023

Trend Graphs

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $90,412,008Liabilities 2010: $80,956,638Net Assets 2010: $9,455,3702010Assets 2011: $100,510,130Liabilities 2011: $88,482,349Net Assets 2011: $12,027,7812011Assets 2012: $107,754,873Liabilities 2012: $94,673,562Net Assets 2012: $13,081,3112012Assets 2013: $107,064,104Liabilities 2013: $96,231,423Net Assets 2013: $10,832,6812013Assets 2014: $115,153,767Liabilities 2014: $101,919,555Net Assets 2014: $13,234,2122014Assets 2015: $123,773,397Liabilities 2015: $109,403,497Net Assets 2015: $14,369,9002015Assets 2016: $130,901,766Liabilities 2016: $115,651,569Net Assets 2016: $15,250,1972016Assets 2017: $139,550,078Liabilities 2017: $123,097,188Net Assets 2017: $16,452,8902017Assets 2018: $143,233,201Liabilities 2018: $126,098,721Net Assets 2018: $17,134,4802018Assets 2019: $157,533,855Liabilities 2019: $137,856,449Net Assets 2019: $19,677,4062019Assets 2020: $192,173,387Liabilities 2020: $170,207,747Net Assets 2020: $21,965,6402020Assets 2021: $216,138,619Liabilities 2021: $193,361,964Net Assets 2021: $22,776,6552021Assets 2022: $221,697,993Liabilities 2022: $204,428,462Net Assets 2022: $17,269,5312022Assets 2023: $232,907,925Liabilities 2023: $213,461,800Net Assets 2023: $19,446,1252023Assets 2024: $236,137,876Liabilities 2024: $214,083,484Net Assets 2024: $22,054,3922024

Highlighted filing

2024

Assets$236,137,876
Liabilities$214,083,484
Net Assets$22,054,392

Operations Trend

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

$15M$10M$5.0M$0Expenses 2010: $3,916,5142010Expenses 2011: $3,739,0482011Expenses 2012: $3,776,0062012Revenue 2013: $4,283,843Expenses 2013: $3,295,031Net Income 2013: $988,8122013Revenue 2014: $4,048,120Expenses 2014: $3,293,090Net Income 2014: $755,0302014Revenue 2015: $4,328,123Expenses 2015: $3,414,130Net Income 2015: $913,9932015Revenue 2016: $4,481,639Expenses 2016: $3,641,350Net Income 2016: $840,2892016Revenue 2017: $4,911,412Expenses 2017: $3,900,331Net Income 2017: $1,011,0812017Revenue 2018: $5,444,704Expenses 2018: $4,314,736Net Income 2018: $1,129,9682018Revenue 2019: $6,034,792Expenses 2019: $4,828,298Net Income 2019: $1,206,4942019Revenue 2020: $6,225,169Expenses 2020: $4,764,422Net Income 2020: $1,460,7472020Revenue 2021: $6,778,543Expenses 2021: $4,561,553Net Income 2021: $2,216,9902021Revenue 2022: $7,809,519Expenses 2022: $5,147,655Net Income 2022: $2,661,8642022Revenue 2023: $10,019,493Expenses 2023: $8,228,592Net Income 2023: $1,790,9012023Revenue 2024: $12,009,346Expenses 2024: $10,127,719Net Income 2024: $1,881,6272024

Highlighted filing

2024

Revenue$12,009,346
Expenses$10,127,719
Net Income$1,881,627

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$236$214$22.1$12.0$10.1$1.88
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$233$213$19.4$10.0$8.23$1.79
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$222$204$17.3$7.81$5.15$2.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$216$193$22.8$6.78$4.56$2.22
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$170$22.0$6.23$4.76$1.46
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$158$138$19.7$6.03$4.83$1.21
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$143$126$17.1$5.44$4.31$1.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$123$16.5$4.91$3.90$1.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$116$15.3$4.48$3.64$0.84
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$124$109$14.4$4.33$3.41$0.91
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$115$102$13.2$4.05$3.29$0.76
2013Detailed filing. Detailed filing data is available for this year.$107$96.2$10.8$4.28$3.30$0.99
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$94.7$13.1$3.78
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$88.5$12.0$3.74
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.4$81.0$9.46$3.92
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 28, 2025
Return Version
2024v5.2
Gross Receipts
$12,009,346
Mission and Program Overview

Mission

Building member-owned, life-long relationships, one member at a time.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$136,662,523$139,525,256▲ $2,862,733
Investments in Publicly Traded Securities$73,025,230$70,454,395▼ $2,570,835
Rtn Earn Endowment Incm Other Fnds$19,146,125$22,054,392▲ $2,908,267
Savings and Temporary Cash Investments$10,904,310$11,399,359▲ $495,049
Land, Buildings, and Equipment, Net$2,600,784$4,974,023▲ $2,373,239
Cash and Non-Interest-Bearing Accounts$2,562,622$4,479,502▲ $1,916,880
Investments Other Securities$1,973,962$1,224,962▼ $749,000
Prepaid Expenses and Deferred Charges$180,149$125,125▼ $55,024
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$232,607,925$236,137,876▲ $3,529,951
Other Assets Total$4,698,345$3,955,254▼ $743,091
Liabilities
Other Liabilities$211,398,357$212,122,638▲ $724,281
Accounts Payable and Accrued Expenses$2,063,443$1,960,846▼ $102,597
Total Liabilities$213,461,800$214,083,484▲ $621,684
Net Assets / Fund Balance
Total Net Assets Fund Balance$19,146,125$22,054,392▲ $2,908,267
Total Liabilities and Net Assets / Fund Balance$232,607,925$236,137,876▲ $3,529,951

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,690,438$1,378,312$5,068,750
Equipment$622,984$641,635$1,264,619
Land$660,601-$660,601
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kyle GurzynskiCEOFT$166,823$39,995$206,818
Kaci KamaloskiCFOFT$112,055$39,053$151,108

Board Members and Trustees

NameTitle
Richard TetsworthBoard President
Cynthia WangbichlerBoard Vice President
Chris TresnekAssociate Board Member
Mari MankeAssociate Board Member
Mitch FosterAssociate Board Member
Randy ZakrajsekAssociate Board Member
Bonnie CoteBoard Emeritus
Thomas MaternowskiBoard Emeritus
Brian KrusBoard Member
James SibleyBoard Member
Jean SoltesBoard Member
Thomas BatzerBoard Member
Zachary BialikBoard Member
Constance WatsonBoard Secretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FisCard ProcessingPO BOX 4535, Carol Stream, IL 60197$597,383
Cu AnswersCore Processor6000 28TH STE SE100, Grand Rapids, MI 49546$560,509
Informa Business SystemsEquipment Purchase/servicing5170 HARTSHORN DR, Flushing, MI 48433$175,299
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,533,154
Investment Income
$2,437,515
Other Revenue
$1,038,677
Change in Net Assets
$1,881,627

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,009,346
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$12,009,346
Total Revenue per Form 990
$12,009,346
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,174,266
Salaries, Compensation, and Employee Benefits$2,917,453
Grants and Similar Amounts Paid$36,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$2,940,408
Other Salaries and Wages---$1,826,473
Information Technology---$466,905
Office Expenses---$450,761
Other Employee Benefits---$418,930
All Other Expenses---$386,105
Current Officers, Directors, Trustees, and Key Employees---$357,926
Other Expenses---$300,743
Depreciation Depletion---$224,196
Payroll Taxes---$168,416
Advertising---$153,095
Occupancy---$151,179
Pension Plan Contributions---$145,708
Fees for Services Other---$133,851
Grants to Domestic Individuals---$36,000
Travel---$25,443
Payments to Affiliates---$12,083
Total Functional Expenses$0$0$0$10,127,719

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,127,719
Total Expenses per Audited Statements$10,127,719
Total Expenses per Form 990$10,127,719
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$212,122,638
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

Each individual who has an account with the credit union is a member of the credit union.

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

As a credit union, we have a membership that has the authority to vote for the board of directors on an annual basis. We are required to hold an annual meeting, where the membership can vote for the board of directors up for nomination.

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

Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.

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

The credit union hires a third party cpa firm to prepare form 990. The cfo reviews the completed form 990 prior to filing. The organization does not provide a copy of form 990 to all members of the board of directors before filing with the irs. However, form 990 is made available to the board of directors subsequent to filing.

Form 990, Part VI, Section B, Line 15

The michigan credit union league salary survey is used in the determination of officers' salaries.

Form 990, Part VI, Section C, Line 19

The financial statements are made available to the public upon request. Additionally, the quarterly call report, which includes year to date financial statements, is available for public viewing on ncua.gov. The credit union's governing documents and conflict of interest policy are not made available to the public.

Filing and Contact Details

Filer

Filer Name
Filer Credit Union
EIN
38-6064790
Phone
2317233400
Address
PO BOX 375, MANISTEE, MI 49660

Signing Officer

Name
Kyle Gurzynski
Title
CEO
Phone
2317233400
Signed
2025-08-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kyle Gurzynski
Formed
1951
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
52
Volunteers
14

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

Maintenance and repairs 173,475. Miscellaneous 130,737. Education and promotion 76,041. Non-operating expenses 5,852.

Form 990, Part XII, Line 2B

The credit union obtained an independent opinion audit of the credit union's financial statements as of june 30, 2024.

Form 990, Part XII, Line 2C

The credit union has a committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.

Financial Statement Notes

PART X, LINE 2:

The credit union is exempt, by statute, from federal taxes on income related to the exempt purpose of the credit union.

Raw XML AppendixShowing 400 of 498 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02063443
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01960846
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0BUILDING MEMBER-OWNED, LIFE-LONG RELATIONSHIPS, ONE MEMBER AT A TIME.
IRS990/AdvertisingGrp/TotalAmt0153095
IRS990/AllOtherExpensesGrp/TotalAmt0386105
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0KACI KAMALOSKI
IRS990/BooksInCareOfDetail/PhoneNum02317942508
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01117 28TH STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0MANISTEE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049660
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02562622
IRS990/CashNonInterestBearingGrp/EOYAmt04479502
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0357926
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0597383
IRS990/ContractorCompensationGrp/CompensationAmt1560509
IRS990/ContractorCompensationGrp/CompensationAmt2175299
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 4535
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt16000 28TH STE SE100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt25170 HARTSHORN DR
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd248433
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FIS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CU ANSWERS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2INFORMA BUSINESS SYSTEMS
IRS990/ContractorCompensationGrp/ServicesDesc0CARD PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1CORE PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc2EQUIPMENT PURCHASE/SERVICING
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
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IRS990/CYInvestmentIncomeAmt02437515
IRS990/CYOtherExpensesAmt07174266
IRS990/CYOtherRevenueAmt01038677
IRS990/CYProgramServiceRevenueAmt08533154
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt012009346
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IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0224196
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IRS990/DonorAdvisedFundInd00
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IRS990/EmployeeCnt052
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesOtherGrp/TotalAmt0133851
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
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IRS990/Form990PartVIISectionAGrp/PersonNm3THOMAS BATZER
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IRS990/Form990PartVIISectionAGrp/PersonNm5JEAN SOLTES
IRS990/Form990PartVIISectionAGrp/PersonNm6ZACHARY BIALIK
IRS990/Form990PartVIISectionAGrp/PersonNm7BRIAN KRUS
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IRS990/Form990PartVIISectionAGrp/PersonNm10CHRIS TRESNEK
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IRS990/Form990PartVIISectionAGrp/PersonNm14KYLE GURZYNSKI
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14171323
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15117055
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8ASSOCIATE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9ASSOCIATE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10ASSOCIATE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11ASSOCIATE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt14CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CFO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt036000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt012009346
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0466905
IRS990/InterestGrp/TotalAmt02940408
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02437515
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02437515
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01973962
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01224962
IRS990/InvestmentsPubTradedSecGrp/BOYAmt073025230
IRS990/InvestmentsPubTradedSecGrp/EOYAmt070454395
IRS990/IRPDocumentCnt015377
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02019947
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02600784
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04974023
IRS990/LandBldgEquipCostOrOtherBssAmt06993970
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0BUILDING MEMBER-OWNED, LIFE-LONG RELATIONSHIPS, ONE MEMBER AT A TIME.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt019146125
IRS990/NetAssetsOrFundBalancesEOYAmt022054392
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01026640
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0151179
IRS990/OfficeExpensesGrp/TotalAmt0450761
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04698345
IRS990/OtherAssetsTotalGrp/EOYAmt03955254
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0418930
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM FEES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3VISA EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0858652
IRS990/OtherExpensesGrp/TotalAmt1742935
IRS990/OtherExpensesGrp/TotalAmt2327910
IRS990/OtherExpensesGrp/TotalAmt3300743
IRS990/OtherLiabilitiesGrp/BOYAmt0211398357
IRS990/OtherLiabilitiesGrp/EOYAmt0212122638
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01038677
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01038677
IRS990/OtherRevenueTotalAmt01038677
IRS990/OtherSalariesAndWagesGrp/TotalAmt01826473
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0136662523
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0139525256
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt012083
IRS990/PayrollTaxesGrp/TotalAmt0168416
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0145708
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0180149
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0125125
IRS990/PrincipalOfficerNm0KYLE GURZYNSKI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07536083
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1975836
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07536083
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1975836
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt221235
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt021235
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE, BUSINESS, AND OTHER.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF ONLINE SERVICES FOR MEMBERS TO USE IN MANAGING THEIR FINANCES INCLUDING ONLINE BANKING, BILL PAY, P2P, BUDGETING, ETC.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt040125
IRS990/PYInvestmentIncomeAmt02193830
IRS990/PYOtherExpensesAmt05673502
IRS990/PYOtherRevenueAmt0841103
IRS990/PYProgramServiceRevenueAmt06984560
IRS990/PYRevenuesLessExpensesAmt01790901
IRS990/PYSalariesCompEmpBnftPaidAmt02514965
IRS990/PYTotalExpensesAmt08228592
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010019493
IRS990/ReconcilationRevenueExpnssAmt01881627
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt019146125
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022054392
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010904310
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011399359
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03690438
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01378312
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05068750
IRS990ScheduleD/EquipmentGrp/BookValueAmt0622984
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0641635
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01264619
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010127719
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0660601
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0660601
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0212122638
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012009346
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04974023
IRS990ScheduleD/TotalExpensesPerForm990Amt010127719
IRS990ScheduleD/TotalLiabilityAmt0212122638
IRS990ScheduleD/TotalRevenuePerForm990Amt012009346
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012009346
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt010127719
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt036000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt024
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0SCHOLARSHIPS: ALL SCHOLARSHIP APPLICATIONS ARE REVIEWED BY A COMMITTEE OF 5 AND SCORED BASED ON THEIR COMMUNITY ACTIVITIES, EXTRACURRICULAR ACTIVITIES/JOBS, FUTURE PLANS, AND GOALS. APPLICANTS MUST BE ENROLLED FULL TIME IN A COLLEGE OR UNIVERSITY AND HAVE AT LEAST A 2.0 GRADE POINT AVERAGE. ALL PERSONAL INFORMATION WITHIN THE APPLICATION IS CONCEALED ENSURING AN UNBIASED SELECTION PROCESS. THE TOP RANKED APPLICANTS RECEIVE THE SCHOLARSHIP. THE CREDIT UNION CONFIRMS THAT THE RECIPIENTS ARE ENROLLED IN A COLLEGE OR UNIVERSITY AND THAT EACH RECIPIENT'S GRADE POINT AVERAGE IS SUCH THAT THEY REMAIN ELIGIBLE. THE CREDIT UNION ALSO MONITORS THE RECIPIENTS TO ENSURE THEY ARE NOT ON ANY TYPE OF ACADEMIC PROBATION BEFORE FUNDS ARE DISTRIBUTED TO THE STUDENT.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0166823
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1112055
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount04500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013862
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt110400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021633
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt123653
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KYLE GURZYNSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KACI KAMALOSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0206818
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1151108

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