Liabilities / Assets
52nd percentile
Higher debt load relative to assets than 52% of similar nonprofits.
990 • Fiscal year 2013 • EIN 38-6064790
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
52nd percentile
Higher debt load relative to assets than 52% of similar nonprofits.
Liabilities / Revenue
83rd percentile
Higher debt load relative to revenue than 83% of similar nonprofits.
Net Margin
90th percentile
Higher net margin than 90% of similar nonprofits.
Top Officer Pay
4th percentile
Higher top officer pay than 4% of similar nonprofits.
Top officer pay equals 2.1% of source-year revenue.
Asset Growth
14th percentile
Faster asset growth than 14% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Down$107,064,104
Down $690,769 (-0.6%) from 2012
Net Assets
Down$10,832,681
Down $2,248,630 (-17%) from 2012
Liabilities
Up$96,231,423
Up $1,557,861 (+1.6%) from 2012
Revenue
$4,283,843
No earlier filing loaded for comparison.
Expenses
Down$3,295,031
Down $480,975 (-13%) from 2012
Net Income
$988,812
No earlier filing loaded for comparison.
Building Member-Owned, Life-long relationships, one member at a time.
Loans to credit union members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $43,579,804 | $47,016,606 | ▲ $3,436,802 |
| Investments in Publicly Traded Securities | $36,875,911 | $37,088,828 | ▲ $212,917 |
| Savings and Temporary Cash Investments | $23,165,858 | $18,863,232 | ▼ $4,302,626 |
| Rtn Earn Endowment Incm Other Fnds | $13,081,311 | $10,832,681 | ▼ $2,248,630 |
| Land, Buildings, and Equipment, Net | $1,857,925 | $1,797,737 | ▼ $60,188 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $107,754,873 | $107,064,104 | ▼ $690,769 |
| Other Assets Total | $2,275,375 | $2,297,701 | ▲ $22,326 |
| Liabilities | |||
| Other Liabilities | $94,078,253 | $95,826,486 | ▲ $1,748,233 |
| Accounts Payable and Accrued Expenses | $595,309 | $404,937 | ▼ $190,372 |
| Total Liabilities | $94,673,562 | $96,231,423 | ▲ $1,557,861 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $13,081,311 | $10,832,681 | ▼ $2,248,630 |
| Total Liabilities and Net Assets / Fund Balance | $107,754,873 | $107,064,104 | ▼ $690,769 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,537,738 | $717,824 | $2,255,562 |
| Equipment | $127,879 | $282,661 | $410,540 |
| Land | $132,120 | - | $132,120 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Patty Preuss | CEO | FT | $73,231 | $15,427 | $88,658 |
| Kaci Kamaloski | CFO | FT | $47,013 | $11,028 | $58,041 |
| Name | Title |
|---|---|
| Gregg King | President |
| Robert Lindeman | President-stepped Down 5/28/13 |
| Wayne Brenier | Vice President |
| Anthony Gagliardo | Director |
| Bonnie Cote | Director |
| James Sibley | Director |
| Jean Soltes | Director |
| Thomas Batzer | Director |
| Tom Maternowski | Director |
| Charles Cloutier | Secretary/treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,338,256 |
| Salaries, Compensation, and Employee Benefits | $956,775 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $598,400 |
| Office Expenses | - | - | - | $568,731 |
| Occupancy | - | - | - | $192,187 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $146,699 |
| Other Employee Benefits | - | - | - | $99,460 |
| Advertising | - | - | - | $95,601 |
| All Other Expenses | - | - | - | $88,709 |
| Insurance | - | - | - | $78,719 |
| Fees for Services Accounting | - | - | - | $74,509 |
| Other Expenses | - | - | - | $72,548 |
| Payroll Taxes | - | - | - | $66,988 |
| Fees for Services Legal | - | - | - | $60,529 |
| Pension Plan Contributions | - | - | - | $45,228 |
| Fees for Services Other | - | - | - | $13,786 |
| Travel | - | - | - | $4,911 |
| Total Functional Expenses | $0 | $0 | $0 | $3,295,031 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Members Shares and Savings Accounts | $95,826,486 |
“Each individual that has an account with the credit union is a member of the credit union.”
“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.”
“The organization will not provide a copy of form 990 to all members of its governing body before filing the form.”
“Comparability data from the michigan credit union league.”
“The financial statements are made available to the public upon request only.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 595309 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 404937 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | LOANS TO CREDIT UNION MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 95601 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 88709 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | KACI KAMALOSKI |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2317233400 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 1117 28TH STREET |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | MANISTEE |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 49660 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 146699 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1317166 |
| IRS990/CYOtherExpensesAmt | 0 | 2338256 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2966677 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 988812 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 956775 |
| IRS990/CYTotalExpensesAmt | 0 | 3295031 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4283843 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/Desc | 0 | MORTGAGE LOANS - PROVIDING CLOSING SERVICES AND LOANING MONEY TO MEMBERS FOR THEIR PRIMARY RESIDENCE. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 33 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 74509 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 60529 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 13786 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 15427 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 11028 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | ROBERT LINDEMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | GREGG KING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | CHARLES CLOUTIER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | THOMAS BATZER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | BONNIE COTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | TOM MATERNOWSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JAMES SIBLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | ANTHONY GAGLIARDO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | WAYNE BRENIER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JEAN SOLTES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | PATTY PREUSS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | KACI KAMALOSKI |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 73231 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 47013 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT-STEPPED DOWN 5/28/13 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1951 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -63304 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 330857 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 61200 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 13447542 |
| IRS990/GrossReceiptsAmt | 0 | 17525032 |
| IRS990/GroupExemptionNum | 0 | 1359 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 78719 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 1049613 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1049613 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 36875911 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 37088828 |
| IRS990/IRPDocumentCnt | 0 | 4680 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1000485 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1857925 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1797737 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2798222 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 124504 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 13116685 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | BUILDING MEMBER-OWNED, LIFE-LONG RELATIONSHIPS, ONE MEMBER AT A TIME. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 13081311 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 10832681 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 267553 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 267553 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -3237442 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 192187 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 568731 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2275375 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2297701 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 99460 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS AND INTEREST |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | NCUSIF STABILIZATION |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 801799 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 210571 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 75656 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 72548 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 94078253 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 95826486 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 598400 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 43579804 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 47016606 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 66988 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 45228 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | PATTY PREUSS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INCOME ON MEMBER LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES AND CHARGES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2373086 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 593591 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2373086 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 593591 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | AUTO LOANS - LOANING MONEY TO MEMBERS FOR THE PURCHASE OR REFINANCE OF A VEHICLE. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | UNSECURED LOANS - LOANS PROVIDED TO MEMBERS WITHOUT SECURED COLLATERAL. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1607341 |
| IRS990/PYOtherExpensesAmt | 0 | 2860597 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3055999 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 887334 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 915409 |
| IRS990/PYTotalExpensesAmt | 0 | 3776006 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4663340 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 988812 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 0 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 13081311 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 10832681 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 23165858 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 18863232 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1537738 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 717824 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2255562 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 127879 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 282661 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 410540 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 132120 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 132120 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 95826486 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS SHARES AND SAVINGS ACCOUNTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1797737 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 95826486 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EACH INDIVIDUAL THAT HAS AN ACCOUNT WITH THE CREDIT UNION IS A MEMBER OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE ORGANIZATION WILL NOT PROVIDE A COPY OF FORM 990 TO ALL MEMBERS OF ITS GOVERNING BODY BEFORE FILING THE FORM. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | COMPARABILITY DATA FROM THE MICHIGAN CREDIT UNION LEAGUE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST ONLY. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 107754873 |
| IRS990/TotalAssetsEOYAmt | 0 | 107064104 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 107754873 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 107064104 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 33 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3295031 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 94673562 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 96231423 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 94673562 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 96231423 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 13081311 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 10832681 |
| IRS990/TotalOtherCompensationAmt | 0 | 26455 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2966677 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 120244 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 1317166 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2966677 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 4283843 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 15 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 107754873 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 107064104 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 4911 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 1117 28TH STREET |
| IRS990/USAddress/City | 0 | MANISTEE |
| IRS990/USAddress/State | 0 | MI |
| IRS990/USAddress/ZIPCode | 0 | 49660 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.FILERCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | PATTY PREUSS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2317233400 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-04-28 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | FILER CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FILE |
| ReturnHeader/Filer/EIN | 0 | 386064790 |
| ReturnHeader/Filer/PhoneNum | 0 | 2317233400 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | PO BOX 375 |
| ReturnHeader/Filer/USAddress/City | 0 | MANISTEE |
| ReturnHeader/Filer/USAddress/State | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 49660 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 382492570 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | DOEREN MAYHEW |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 305 WEST BIG BEAVER ROAD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | TROY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 48084 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2482443000 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JOSEPH A ZITO CPA |
| ReturnHeader/ReturnTs | 0 | 2014-05-05T13:14:26-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.