Liabilities / Assets
35th percentile
Higher debt load relative to assets than 35% of similar nonprofits.
990 • Fiscal year 2016 • EIN 38-6064790
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
35th percentile
Higher debt load relative to assets than 35% of similar nonprofits.
Liabilities / Revenue
91st percentile
Higher debt load relative to revenue than 91% of similar nonprofits.
Net Margin
84th percentile
Higher net margin than 84% of similar nonprofits.
Top Officer Pay
5th percentile
Higher top officer pay than 5% of similar nonprofits.
Top officer pay equals 2.4% of source-year revenue.
Asset Growth
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
34th percentile
Faster revenue growth than 34% of similar nonprofits.
Assets
Up$130,901,766
Up $7,128,369 (+5.8%) from 2015
Net Assets
Up$15,250,197
Up $880,297 (+6.1%) from 2015
Liabilities
Up$115,651,569
Up $6,248,072 (+5.7%) from 2015
Revenue
Up$4,481,639
Up $153,516 (+3.5%) from 2015
Expenses
Up$3,641,350
Up $227,220 (+6.7%) from 2015
Net Income
Down$840,289
Down $73,704 (-8.1%) from 2015
Building Member-Owned, Life-long relationships, one member at a time.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $55,722,637 | $65,060,243 | ▲ $9,337,606 |
| Investments in Publicly Traded Securities | $39,210,844 | $40,818,527 | ▲ $1,607,683 |
| Rtn Earn Endowment Incm Other Fnds | $14,369,900 | $15,250,197 | ▲ $880,297 |
| Savings and Temporary Cash Investments | $24,474,945 | $13,647,845 | ▼ $10,827,100 |
| Investments Other Securities | - | $6,358,143 | - |
| Land, Buildings, and Equipment, Net | $1,718,664 | $1,696,877 | ▼ $21,787 |
| Cash and Non-Interest-Bearing Accounts | - | $1,164,430 | - |
| Prepaid Expenses and Deferred Charges | - | $352,148 | - |
| Accounts Receivable | $75,500 | $0 | ▼ $75,500 |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $123,773,397 | $130,901,766 | ▲ $7,128,369 |
| Other Assets Total | $2,570,807 | $1,803,553 | ▼ $767,254 |
| Liabilities | |||
| Other Liabilities | $108,836,121 | $114,735,155 | ▲ $5,899,034 |
| Accounts Payable and Accrued Expenses | $567,376 | $916,414 | ▲ $349,038 |
| Total Liabilities | $109,403,497 | $115,651,569 | ▲ $6,248,072 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $14,369,900 | $15,250,197 | ▲ $880,297 |
| Total Liabilities and Net Assets / Fund Balance | $123,773,397 | $130,901,766 | ▲ $7,128,369 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,478,987 | $847,883 | $2,326,870 |
| Other Land Buildings | $55,079 | $310,364 | $365,443 |
| Land | $132,120 | - | $132,120 |
| Equipment | $30,691 | $64,158 | $94,849 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Patty Preuss | CEO | FT | $89,360 | $16,631 | $105,991 |
| Kaci Kamaloski | CFO | FT | $59,019 | $13,433 | $72,452 |
| Name | Title |
|---|---|
| Gregg King | President |
| Wayne Bernier | Vice President |
| Anthony Gagliardo | Director |
| Constance Watson | Director |
| James Sibley | Director |
| Jean Soltes | Director |
| Thomas Batzer | Director |
| Tom Maternowski | Director |
| Bonnie Cote | Treasurer/Secr |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,465,943 |
| Salaries, Compensation, and Employee Benefits | $1,175,407 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $693,169 |
| Interest | - | - | - | $669,286 |
| Office Expenses | - | - | - | $463,341 |
| Information Technology | - | - | - | $222,642 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $178,443 |
| Other Employee Benefits | - | - | - | $163,021 |
| Advertising | - | - | - | $149,573 |
| Occupancy | - | - | - | $111,045 |
| Depreciation Depletion | - | - | - | $96,375 |
| Insurance | - | - | - | $79,076 |
| Fees for Services Other | - | - | - | $77,395 |
| Payroll Taxes | - | - | - | $71,099 |
| Pension Plan Contributions | - | - | - | $69,675 |
| Other Expenses | - | - | - | $29,796 |
| All Other Expenses | - | - | - | $25,202 |
| Travel | - | - | - | $7,303 |
| Total Functional Expenses | $0 | $0 | $0 | $3,641,350 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
| Liability | Amount |
|---|---|
| Deposit Accounts | $114,735,155 |
“Section 501c(14) Credit Union is composed of members. Each individual that has an account with the Credit Union is a member of the Credit Union.”
“The organization will not provide a copy of Form 990 to all members of its governing body before filing the form. The CFO reviews Form 990 for differences from the Credit Union financial statements.”
“Used the Michigan Credit Union League Salary survey and deliberation, decision.”
“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 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 567376 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 916414 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 75500 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Building Member-Owned, Life-long relationships, one member at a time. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 149573 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 25202 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Patty Preuss |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2317233400 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO Box 375 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Manistee |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49660 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1164430 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 178443 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1014898 |
| IRS990/CYOtherExpensesAmt | 0 | 2465943 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 3466741 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 840289 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1175407 |
| IRS990/CYTotalExpensesAmt | 0 | 3641350 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4481639 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 96375 |
| IRS990/Desc | 0 | The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2016 was 8,901. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 30 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 77395 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| 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 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 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/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/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 | 16631 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 13433 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Gregg King |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Wayne Bernier |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Bonnie Cote |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Thomas Batzer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Tom Maternowski |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | James Sibley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Jean Soltes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Anthony Gagliardo |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Constance Watson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Patty Preuss |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | 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 | 89360 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 59019 |
| 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/TitleTxt | 0 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer/Secr |
| 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 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1951 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -30476 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 2299 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 79274 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 1417247 |
| IRS990/GrossReceiptsAmt | 0 | 6006337 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 222642 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 79076 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 669286 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1043075 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1043075 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 6358143 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 39210844 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 40818527 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 4949 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1222405 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1718664 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1696877 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2919282 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 109750 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 1414948 |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Building Member-Owned, Life-long relationships, one member at a time. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 14369900 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 15250197 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -28177 |
| IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt | 0 | -28177 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 40008 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 111045 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 463341 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2570807 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1803553 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 163021 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan Loss Provision |
| IRS990/OtherExpensesGrp/Desc | 2 | Postage and Shipping |
| IRS990/OtherExpensesGrp/Desc | 3 | Exam Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 352794 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 135695 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 46420 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 29796 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 108836121 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 114735155 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 693169 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 55722637 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 65060243 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 71099 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 69675 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 352148 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Fees & Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Income on Member Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | VISA Interchange |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 797227 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2595166 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 74348 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 797227 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2595166 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 74348 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2016 was 4,717. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1066194 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 2294429 |
| IRS990/PYOtherRevenueAmt | 0 | 128690 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3133239 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 913993 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1119701 |
| IRS990/PYTotalExpensesAmt | 0 | 3414130 |
| IRS990/PYTotalRevenueAmt | 0 | 4328123 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 840289 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 14369900 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 15250197 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 24474945 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 13647845 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1478987 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 847883 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2326870 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 30691 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 64158 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 94849 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 132120 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 132120 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 55079 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 310364 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 365443 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 114735155 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Deposit Accounts |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1696877 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 114735155 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Section 501c(14) Credit Union is composed of members. Each individual that has an account with the Credit Union is a member of the Credit Union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The organization will not provide a copy of Form 990 to all members of its governing body before filing the form. The CFO reviews Form 990 for differences from the Credit Union financial statements. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Used the Michigan Credit Union League Salary survey and deliberation, decision. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The financial statements are made available to the public upon request only. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 123773397 |
| IRS990/TotalAssetsEOYAmt | 0 | 130901766 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 123773397 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 130901766 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 30 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3641350 |
| IRS990/TotalGrossUBIAmt | 0 | -28177 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 109403497 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 115651569 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 109403497 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 115651569 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 14369900 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 15250197 |
| IRS990/TotalOtherCompensationAmt | 0 | 30064 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 3466741 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 148379 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4509816 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 4481639 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | -28177 |
| IRS990/TotalVolunteersCnt | 0 | 15 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 123773397 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 130901766 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/TotalAmt | 0 | 7303 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | www.filercu.com |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Patty Preuss |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-04-24 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Filer Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FILE |
| ReturnHeader/Filer/EIN | 0 | 386064790 |
| ReturnHeader/Filer/PhoneNum | 0 | 2317233400 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO Box 375 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Manistee |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 49660 |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.