Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2018 • EIN 38-6066199

Jan 01, 2018 to Dec 31, 2018 • Filed on Aug 01, 2019

Organization ProfileWWW.TEAMONECU.ORG

View Organization Page

PO Box 1260Saginaw, MI 48606

(989) 754-6575

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

52nd percentile

0.89x

Higher debt load relative to assets than 52% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

33rd percentile

15.56x

Higher debt load relative to revenue than 33% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

30th percentile

11%

Higher net margin than 30% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

80th percentile

$569,863

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

45th percentile

3.6%

Faster asset growth than 45% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

26th percentile

6.4%

Faster revenue growth than 26% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$518,805,153

Up $18,110,381 (+3.6%) from 2017

Net Assets

Up

$55,666,464

Up $3,373,552 (+6.5%) from 2017

Liabilities

Up

$463,138,689

Up $14,736,829 (+3.3%) from 2017

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin30th percentile

Revenue

Up

$29,757,822

Up $1,802,964 (+6.4%) from 2017

Expenses

Up

$26,446,260

Up $2,354,417 (+9.8%) from 2017

Net Income

Down

$3,311,562

Down $551,453 (-14%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800M$600M$400M$200M$0Assets 2010: $324,051,196Liabilities 2010: $289,063,677Net Assets 2010: $34,987,5192010Assets 2011: $341,690,725Liabilities 2011: $305,092,821Net Assets 2011: $36,597,9042011Assets 2012: $365,813,348Liabilities 2012: $326,310,183Net Assets 2012: $39,503,1652012Assets 2013: $385,020,260Liabilities 2013: $342,679,281Net Assets 2013: $42,340,9792013Assets 2014: $414,096,118Liabilities 2014: $369,546,962Net Assets 2014: $44,549,1562014Assets 2015: $451,677,051Liabilities 2015: $405,813,021Net Assets 2015: $45,864,0302015Assets 2016: $490,999,575Liabilities 2016: $441,909,149Net Assets 2016: $49,090,4262016Assets 2017: $500,694,772Liabilities 2017: $448,401,860Net Assets 2017: $52,292,9122017Assets 2018: $518,805,153Liabilities 2018: $463,138,689Net Assets 2018: $55,666,4642018Assets 2019: $569,349,136Liabilities 2019: $507,583,515Net Assets 2019: $61,765,6212019Assets 2020: $677,563,973Liabilities 2020: $613,109,066Net Assets 2020: $64,454,9072020Assets 2021: $741,365,810Liabilities 2021: $673,639,224Net Assets 2021: $67,726,5862021Assets 2022: $750,657,542Liabilities 2022: $694,365,483Net Assets 2022: $56,292,0592022Assets 2023: $740,519,118Liabilities 2023: $678,444,171Net Assets 2023: $62,074,9472023Assets 2024: $750,653,356Liabilities 2024: $682,291,630Net Assets 2024: $68,361,7262024

Highlighted filing

2018

Assets$518,805,153
Liabilities$463,138,689
Net Assets$55,666,464
Open 2018 Filing

Operations Trend

Revenue Growth26th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0-$20MExpenses 2010: $17,759,7712010Expenses 2011: $17,160,2852011Revenue 2012: $19,424,314Expenses 2012: $16,361,739Net Income 2012: $3,062,5752012Revenue 2013: $19,381,542Expenses 2013: $16,829,165Net Income 2013: $2,552,3772013Revenue 2014: $21,519,219Expenses 2014: $19,253,960Net Income 2014: $2,265,2592014Revenue 2015: $25,063,444Expenses 2015: $24,211,616Net Income 2015: $851,8282015Revenue 2016: $26,736,289Expenses 2016: $28,204,255Net Income 2016: -$1,467,9662016Revenue 2017: $27,954,858Expenses 2017: $24,091,843Net Income 2017: $3,863,0152017Revenue 2018: $29,757,822Expenses 2018: $26,446,260Net Income 2018: $3,311,5622018Revenue 2019: $32,680,328Expenses 2019: $30,638,642Net Income 2019: $2,041,6862019Revenue 2020: $34,733,576Expenses 2020: $31,676,733Net Income 2020: $3,056,8432020Revenue 2021: $32,112,685Expenses 2021: $30,614,582Net Income 2021: $1,498,1032021Revenue 2022: $30,548,902Expenses 2022: $32,482,047Net Income 2022: -$1,933,1452022Revenue 2023: $38,190,511Expenses 2023: $37,347,733Net Income 2023: $842,7782023Revenue 2024: $44,313,434Expenses 2024: $41,493,494Net Income 2024: $2,819,9402024

Highlighted filing

2018

Revenue$29,757,822
Expenses$26,446,260
Net Income$3,311,562
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Aug 1, 2019
Return Version
2018v3.1
Gross Receipts
$31,163,532
Mission and Program Overview

Mission

Personal Banking Solutions You Can Trust.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$383,579,876$388,110,212▲ $4,530,336
Investments Other Securities$70,174,122$67,130,059▼ $3,044,063
Rtn Earn Endowment Incm Other Fnds$52,292,912$55,666,464▲ $3,373,552
Investments Program Related$11,068,027$20,619,128▲ $9,551,101
Land, Buildings, and Equipment, Net$15,051,791$17,467,854▲ $2,416,063
Savings and Temporary Cash Investments$2,566,112$7,784,101▲ $5,217,989
Cash and Non-Interest-Bearing Accounts$6,075,283$5,885,940▼ $189,343
Accounts Receivable$4,322,818$4,047,965▼ $274,853
Prepaid Expenses and Deferred Charges$1,064,788$1,110,381▲ $45,593
Intangible Assets$174,206$143,005▼ $31,201
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$500,694,772$518,805,153▲ $18,110,381
Other Assets Total$6,617,749$6,506,508▼ $111,241
Liabilities
Other Liabilities$439,009,561$445,878,528▲ $6,868,967
Mortgage Notes Payable Secured by Investment Property$2,000,000$10,000,000▲ $8,000,000
Accounts Payable and Accrued Expenses$7,392,299$7,260,161▼ $132,138
Total Liabilities$448,401,860$463,138,689▲ $14,736,829
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,292,912$55,666,464▲ $3,373,552
Total Liabilities and Net Assets / Fund Balance$500,694,772$518,805,153▲ $18,110,381

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,373,388$4,113,050$14,486,438
Equipment$4,224,328$4,389,562$8,613,890
Land$2,870,138-$2,870,138
Other Securities$2,182,000--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gerald HuttoPresident/CEOFT$329,085$240,778$569,863
Anne ArrandExecutive VPFT$190,352$71,840$262,192
Michael BahorskiCFO From 5/04/2017FT$120,286$31,485$151,771
John HyattCommercial Lending OfficerFT$125,484$23,825$149,309
John G Hunter JrCommercial Lending OfficerFT$124,118$24,641$148,759
Justin SchalkVP of ItFT$119,399$26,307$145,706
Lynne KindyVP of ComplianceFT$114,449$22,592$137,041
Dana TellVP of MarketingFT$115,219$13,845$129,064

Board Members and Trustees

NameTitle
Rebecca SanchezChairperson
Timothy FritzVice Chairperson
James FlanneryDirector
Jan ElbingDirector
Jan TolleyDirector
PATRICK O'TOOLEDirector
Richard PowellDirector
Peter TysonSecretary
Carl HawkinsTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesData Processing30230 ORCHARD LAKE ROAD, Farmington Hills, MI 48334$1,007,295
Nautilus HyosungAtm Machines, Support And Maintenance6641 N BELTLINE ROAD SUITE 100, Irving, TX 75063$758,548
Tucker BuildersConstruction2634 LIPKA, Pinconning, MI 48706$546,855
FisVisa Scorecard Redemption, Internet Id,601 RIVERSIDE AVENUE, Jacksonville, FL 32204$507,611
Jack HenryAtm/credit Card Processor And Support663 W HIGHWAY 60, Monett, MO 65708$462,152
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,066,002
Investment Income
$1,691,055
Other Revenue
$765
Change in Net Assets
$3,311,562

Audited Revenue Reconciliation

Revenue per Audited Statements
$29,685,671
Revenue Not Reported on Financial Statements
$72,151
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$72,151
Total Revenue per Audited Statements
$29,685,671
Total Revenue per Form 990
$29,757,822
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,222,031
Salaries, Compensation, and Employee Benefits$12,209,229
Grants and Similar Amounts Paid$15,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,249,680
Office Expenses---$2,933,632
Interest---$2,803,010
Other Employee Benefits---$2,210,028
Depreciation Depletion---$1,190,184
Information Technology---$1,024,114
Current Officers, Directors, Trustees, and Key Employees---$983,826
Occupancy---$950,664
Advertising---$874,986
Payroll Taxes---$723,990
Fees for Services Other---$619,473
Conferences and Meetings---$446,434
Insurance---$132,063
Other Expenses---$109,061
Travel---$104,311
Fees for Services Accounting---$86,393
Pension Plan Contributions---$41,705
All Other Expenses---$31,201
Grants to Domestic Individuals---$15,000
Total Functional Expenses$0$0$0$26,446,260

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$26,446,260
Total Expenses per Form 990$26,446,260
Total Expenses per Audited Statements$26,374,109
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$-72,151
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 and Deposits$445,878,528
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 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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has a single class of members with equal rights of ownership, governance and voting.”

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

“The board of directors is elected by the members at the annual meeting. Each board member is elected for a three year term.”

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

“Credit union decisions that are subject to membership approval are mergers.”

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

“A review is conducted by the president/ceo prior to submission to the irs. Subsequent to filing, the board of directors is provided with a copy of the 990 returns submitted.”

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

“Employees and the board of directors are required to review the policy and sign a conflict of interest statement on an annual basis.”

Form 990, Part VI, Section B, Line 15

“For the president/ceo - the board of director's executive committee completes a performance appraisal annually. Salary increases are approved by the board of directors and are determined based on performance as well as peer group comparison. The president/ceo performs annual evaluations of key employees and has been given the authority to provide salary increases based on performance.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Team One Credit Union
EIN
38-6066199
Phone
9897546575
Address
PO BOX 1260, SAGINAW, MI 48606

Signing Officer

Name
Gerald J Hutto
Title
President/CEO
Phone
9897546575
Signed
2019-08-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gerald J Hutto
Formed
1935
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
226
Volunteers
11

Preparer

Firm
Doeren Mayhew
Address
305 W BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robert Parks
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in other comprehensive income-postretirement healthcare plan 224,393.”

FORM 990, PART XII, LINE 2C:

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Form 990, Part IV, Line 12B

“The credit union's audited consolidated financial statements included the balances and activities of the 100% owned disregarded entities (design one creative, llc and team one insurance services) and did not include the partnership subsidiary, neighborhood income solutions, of which team one credit union owns 33.33%. Therefore, schedule d, parts xi and xii have been prepared.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Net loss from design one creative, llc reported net of revenue in audited financial statements but included in expenses in form 990 19,852. Rental expense is reported as a reduction of rental revenue in form 990 but included in expenses in the audited financial statements -2,635. Contra income account that was transferred to expense 25. Net loss from team one insurance cuso reported net of revenue in audited financial statements but included in expenses in form 990 54,909.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Net loss from design one creative, llc reported net of revenue in audited financial statements but included in expenses in form 990 -19,852. Rental expense is reported as a reduction of rental revenue in form 990 but included in expenses in the audited financial statements 2,635. Contra income account that was transferred to expense -25. Net loss from team one insurance cuso reported net of revenue in audited financial statements but included in expenses in form 990 -54,909.”

Raw XML AppendixShowing 400 of 635 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1422592
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1526307
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1623825
IRS990/Form990PartVIISectionAGrp/PersonNm0PATRICK O'TOOLE
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES FLANNERY
IRS990/Form990PartVIISectionAGrp/PersonNm2JAN TOLLEY
IRS990/Form990PartVIISectionAGrp/PersonNm3REBECCA SANCHEZ
IRS990/Form990PartVIISectionAGrp/PersonNm4JAN ELBING
IRS990/Form990PartVIISectionAGrp/PersonNm5CARL HAWKINS
IRS990/Form990PartVIISectionAGrp/PersonNm6TIMOTHY FRITZ
IRS990/Form990PartVIISectionAGrp/PersonNm7RICHARD POWELL
IRS990/Form990PartVIISectionAGrp/PersonNm8PETER TYSON
IRS990/Form990PartVIISectionAGrp/PersonNm9GERALD HUTTO
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHAEL BAHORSKI
IRS990/Form990PartVIISectionAGrp/PersonNm11ANNE ARRAND
IRS990/Form990PartVIISectionAGrp/PersonNm12DANA TELL
IRS990/Form990PartVIISectionAGrp/PersonNm13JOHN G HUNTER JR
IRS990/Form990PartVIISectionAGrp/PersonNm14LYNNE KINDY
IRS990/Form990PartVIISectionAGrp/PersonNm15JUSTIN SCHALK
IRS990/Form990PartVIISectionAGrp/PersonNm16JOHN HYATT
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/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9528747
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10125165
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11214199
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12115219
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13124118
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14114449
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15119399
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16125484
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO FROM 5/04/2017
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt13COMMERCIAL LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt16COMMERCIAL LENDING OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
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IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-22687
IRS990/GainOrLossGrp/SecuritiesAmt018899
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt015000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0170737
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01228550
IRS990/GrossReceiptsAmt031163532
IRS990/GrossRentsGrp/RealAmt03400
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01024114
IRS990/InsuranceGrp/TotalAmt0132063
IRS990/IntangibleAssetsGrp/BOYAmt0174206
IRS990/IntangibleAssetsGrp/EOYAmt0143005
IRS990/InterestGrp/TotalAmt02803010
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01694843
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01694843
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt070174122
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt067130059
IRS990/InvestmentsProgramRelatedGrp/BOYAmt011068027
IRS990/InvestmentsProgramRelatedGrp/EOYAmt020619128
IRS990/IRPDocumentCnt011733
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08502612
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015051791
IRS990/LandBldgEquipBasisNetGrp/EOYAmt017467854
IRS990/LandBldgEquipCostOrOtherBssAmt025970466
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0193424
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01209651
IRS990/LessRentalExpensesGrp/RealAmt02635
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PERSONAL BANKING SOLUTIONS YOU CAN TRUST.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt02000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010000000
IRS990/NetAssetsOrFundBalancesBOYAmt052292912
IRS990/NetAssetsOrFundBalancesEOYAmt055666464
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-3788
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-3788
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0765
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0765
IRS990/NetUnrelatedBusTxblIncmAmt0-91043
IRS990/NetUnrlzdGainsLossesInvstAmt0-162403
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0950664
IRS990/OfficeExpensesGrp/TotalAmt02933632
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06617749
IRS990/OtherAssetsTotalGrp/EOYAmt06506508
IRS990/OtherChangesInNetAssetsAmt0224393
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02210028
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc3EXAMINATION FEES
IRS990/OtherExpensesGrp/TotalAmt01925598
IRS990/OtherExpensesGrp/TotalAmt1675000
IRS990/OtherExpensesGrp/TotalAmt2315907
IRS990/OtherExpensesGrp/TotalAmt3109061
IRS990/OtherLiabilitiesGrp/BOYAmt0439009561
IRS990/OtherLiabilitiesGrp/EOYAmt0445878528
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt08249680
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0383579876
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0388110212
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0723990
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt041705
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01064788
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01110381
IRS990/PrincipalOfficerNm0GERALD J HUTTO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018691668
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19039872
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018691668
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19039872
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2334462
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0334462
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 32,898 INCLUDING VEHICLE, OVERDRAFT PROTECTION, MORTGAGE, HOME EQUITY, SIGNATURE, CREDIT CARD, STUDENT AND RECREATIONAL VEHICLE.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, WIRE TRANSFERS, MONEY ORDERS, BILL PAYMENT, OVERDRAFT PROTECTION/COURTESY PAY AND VARIOUS INSURANCE AND INVESTMENT PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt018500
IRS990/PYInvestmentIncomeAmt01015039
IRS990/PYOtherExpensesAmt013037951
IRS990/PYOtherRevenueAmt03138
IRS990/PYProgramServiceRevenueAmt026936681
IRS990/PYRevenuesLessExpensesAmt03863015
IRS990/PYSalariesCompEmpBnftPaidAmt011035392
IRS990/PYTotalExpensesAmt024091843
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt027954858
IRS990/ReconcilationRevenueExpnssAmt03311562
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0765
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt055666464
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02566112
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07784101
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt010373388
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04113050
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt014486438
IRS990ScheduleD/EquipmentGrp/BookValueAmt04224328
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04389562
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08613890
IRS990ScheduleD/ExpensesNotReportedAmt0-72151
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt026446260
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt02870138
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02870138
IRS990ScheduleD/OtherExpensesIncludedAmt0-72151
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0445878528
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt072151
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0592236
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11256500
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt24571213
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt358528110
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt42182000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0MUTUAL FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FEDERAL HOME LOAN BANK STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CUSO INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3AFS INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$518,805,153
Liabilities
$463,138,689
Net assets
$55,666,464
Revenue
$29,757,822
Expenses
$26,446,260
Net income
$3,311,562
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$751$682$68.4$44.3$41.5$2.82
2023Detailed filing. Detailed filing data is available for this year.$741$678$62.1$38.2$37.3$0.84
2022Detailed filing. Detailed filing data is available for this year.$751$694$56.3$30.5$32.5$1.93
2021Detailed filing. Detailed filing data is available for this year.$741$674$67.7$32.1$30.6$1.50
2020Detailed filing. Detailed filing data is available for this year.$678$613$64.5$34.7$31.7$3.06
2019Detailed filing. Detailed filing data is available for this year.$569$508$61.8$32.7$30.6$2.04
2018Detailed filing. Detailed filing data is available for this year.$519$463$55.7$29.8$26.4$3.31
2017Detailed filing. Detailed filing data is available for this year.$501$448$52.3$28.0$24.1$3.86
2016Detailed filing. Detailed filing data is available for this year.$491$442$49.1$26.7$28.2$1.47
2015Detailed filing. Detailed filing data is available for this year.$452$406$45.9$25.1$24.2$0.85
2014Detailed filing. Detailed filing data is available for this year.$414$370$44.5$21.5$19.3$2.27
2013Detailed filing. Detailed filing data is available for this year.$385$343$42.3$19.4$16.8$2.55
2012Summary only. Only limited summary data is available for this year.$366$326$39.5$19.4$16.4$3.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$342$305$36.6$17.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$324$289$35.0$17.8