Civic Intelligence

Gratiot Community Credit Union

EIN 38-6084711 • 501(c)14 • Alma, MI

Profile

Provide financial services and products to members.

211 W Center StAlma, MI 48801

www.gratiotcu.org

Siviq Scores

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

Liabilities / Assets

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

25th percentile

13.50x

Higher debt load relative to revenue than 25% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Net Margin

60th percentile

15%

Higher net margin than 60% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

13th percentile

$103,648

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Asset Growth

81st percentile

6.2%

Faster asset growth than 81% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

25th percentile

3.5%

Faster revenue growth than 25% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$55,538,683

Up $616,171 (+1.1%) from 2023

Liabilities

Up

$51,100,821

Up $206,721 (+0.4%) from 2023

Net Assets

Up

$4,437,862

Up $409,450 (+10%) from 2023

Operations
Liabilities / Revenue25th percentileNet Margin60th percentile

Revenue

Up

$3,858,840

Up $577,521 (+18%) from 2023

Expenses

Up

$3,440,716

Up $336,209 (+11%) from 2023

Net Income

Up

$418,124

Up $241,312 (+136%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

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

$60M$40M$20M$0Assets 2010: $21,490,731Liabilities 2010: $19,220,715Net Assets 2010: $2,270,0162010Assets 2011: $24,680,423Liabilities 2011: $22,463,600Net Assets 2011: $2,216,8232011Assets 2012: $26,186,830Liabilities 2012: $23,907,613Net Assets 2012: $2,279,2172012Assets 2013: $27,263,831Liabilities 2013: $24,949,186Net Assets 2013: $2,314,6452013Assets 2014: $28,643,612Liabilities 2014: $26,186,594Net Assets 2014: $2,457,0182014Assets 2015: $29,896,291Liabilities 2015: $27,307,546Net Assets 2015: $2,588,7452015Assets 2016: $32,469,941Liabilities 2016: $29,613,419Net Assets 2016: $2,856,5222016Assets 2017: $35,681,333Liabilities 2017: $32,602,712Net Assets 2017: $3,078,6212017Assets 2018: $34,990,074Liabilities 2018: $31,711,625Net Assets 2018: $3,278,4492018Assets 2019: $37,235,480Liabilities 2019: $33,505,944Net Assets 2019: $3,729,5362019Assets 2020: $46,854,402Liabilities 2020: $42,958,413Net Assets 2020: $3,895,9892020Assets 2021: $53,382,420Liabilities 2021: $49,497,473Net Assets 2021: $3,884,9472021Assets 2022: $55,615,153Liabilities 2022: $51,779,445Net Assets 2022: $3,835,7082022Assets 2023: $54,922,512Liabilities 2023: $50,894,100Net Assets 2023: $4,028,4122023Assets 2024: $55,538,683Liabilities 2024: $51,100,821Net Assets 2024: $4,437,8622024

Highlighted filing

2024

Assets$55,538,683
Liabilities$51,100,821
Net Assets$4,437,862
Open 2024 Filing

Operations Trend

Revenue Growth25th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,125,4162010Expenses 2011: $1,154,2682011Expenses 2012: $1,204,4292012Revenue 2013: $1,288,051Expenses 2013: $1,252,623Net Income 2013: $35,4282013Revenue 2014: $1,401,324Expenses 2014: $1,258,951Net Income 2014: $142,3732014Revenue 2015: $1,490,459Expenses 2015: $1,304,188Net Income 2015: $186,2712015Revenue 2016: $1,625,409Expenses 2016: $1,408,064Net Income 2016: $217,3452016Revenue 2017: $1,797,826Expenses 2017: $1,538,128Net Income 2017: $259,6982017Revenue 2018: $1,954,756Expenses 2018: $1,638,348Net Income 2018: $316,4082018Revenue 2019: $1,975,302Expenses 2019: $1,738,933Net Income 2019: $236,3692019Revenue 2020: $1,888,399Expenses 2020: $1,810,158Net Income 2020: $78,2412020Revenue 2021: $2,101,369Expenses 2021: $1,994,934Net Income 2021: $106,4352021Revenue 2022: $2,625,558Expenses 2022: $2,417,273Net Income 2022: $208,2852022Revenue 2023: $3,281,319Expenses 2023: $3,104,507Net Income 2023: $176,8122023Revenue 2024: $3,858,840Expenses 2024: $3,440,716Net Income 2024: $418,1242024

Highlighted filing

2024

Revenue$3,858,840
Expenses$3,440,716
Net Income$418,124
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$55,538,683
Liabilities
$51,100,821
Net assets
$4,437,862
Revenue
$3,858,840
Expenses
$3,440,716
Net income
$418,124
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$55.5$51.1$4.44$3.86$3.44$0.42
2023Detailed filing. Detailed filing data is available for this year.$54.9$50.9$4.03$3.28$3.10$0.18
2022Detailed filing. Detailed filing data is available for this year.$55.6$51.8$3.84$2.63$2.42$0.21
2021Detailed filing. Detailed filing data is available for this year.$53.4$49.5$3.88$2.10$1.99$0.11
2020Detailed filing. Detailed filing data is available for this year.$46.9$43.0$3.90$1.89$1.81$0.08
2019Detailed filing. Detailed filing data is available for this year.$37.2$33.5$3.73$1.98$1.74$0.24
2018Detailed filing. Detailed filing data is available for this year.$35.0$31.7$3.28$1.95$1.64$0.32
2017Detailed filing. Detailed filing data is available for this year.$35.7$32.6$3.08$1.80$1.54$0.26
2016Detailed filing. Detailed filing data is available for this year.$32.5$29.6$2.86$1.63$1.41$0.22
2015Detailed filing. Detailed filing data is available for this year.$29.9$27.3$2.59$1.49$1.30$0.19
2014Detailed filing. Detailed filing data is available for this year.$28.6$26.2$2.46$1.40$1.26$0.14
2013Detailed filing. Detailed filing data is available for this year.$27.3$24.9$2.31$1.29$1.25$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.2$23.9$2.28$1.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.7$22.5$2.22$1.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.5$19.2$2.27$1.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 22, 2025
Return Version
2024v5.1
Gross Receipts
$3,858,840
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$43,360,642$38,617,478▼ $4,743,164
Savings and Temporary Cash Investments$3,465,876$10,188,410▲ $6,722,534
Rtn Earn Endowment Incm Other Fnds$3,924,009$4,437,862▲ $513,853
Land, Buildings, and Equipment, Net$2,721,358$2,593,788▼ $127,570
Cash and Non-Interest-Bearing Accounts$1,191,050$1,207,862▲ $16,812
Investments in Publicly Traded Securities$2,115,654$1,010,140▼ $1,105,514
Investments Other Securities$1,035,090$897,540▼ $137,550
Accounts Receivable$9,533$181,210▲ $171,677
Prepaid Expenses and Deferred Charges$72,409$54,796▼ $17,613
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$54,818,109$55,538,683▲ $720,574
Other Assets Total$846,497$787,459▼ $59,038
Liabilities
Other Liabilities$49,152,356$50,185,948▲ $1,033,592
Accounts Payable and Accrued Expenses$919,505$914,873▼ $4,632
Unsecured Notes Loans Payable$822,239--
Total Liabilities$50,894,100$51,100,821▲ $206,721
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,924,009$4,437,862▲ $513,853
Total Liabilities and Net Assets / Fund Balance$54,818,109$55,538,683▲ $720,574

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,675,799$600,948$2,276,747
Other Land Buildings$547,075$425,090$972,165
Land$370,914-$370,914
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Katina StrubleCEOFT$96,686$17,186$113,872
Robert BendeleCFOFT$81,914$9,505$91,419

Board Members and Trustees

NameTitle
Sonia GibsonChairman
Alan L SchaferDirector
Dale L ShermanDirector
Diane S MalekDirector
Sharol PominvilleDirector
Glenn RoseSecretary
Clark HubbardTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersData Processor6000 28TH STREET SE, Grand Rapids, MI 49546$254,244
FiservCard Processor255 FISERV DR, Brookfield, WI 53045$147,561
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,548,567
Investment Income
$310,273
Other Revenue
$0
Change in Net Assets
$418,124
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,269,061
Salaries, Compensation, and Employee Benefits$1,171,655
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$811,234
Interest---$566,675
Office Expenses---$448,627
Current Officers, Directors, Trustees, and Key Employees---$205,291
Depreciation Depletion---$167,937
Fees for Services Accounting---$147,987
Payroll Taxes---$89,471
Information Technology---$78,357
Occupancy---$71,625
Other Employee Benefits---$50,599
Other Expenses---$33,158
Insurance---$32,438
Advertising---$23,236
Pension Plan Contributions---$15,060
Payments to Affiliates---$6,668
Travel---$6,026
Total Functional Expenses$0$0$0$3,440,716
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share and Deposit Accts$50,147,106
Other Liabilities$38,842
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Section 501c14 credit union is composed of members.”

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

“Members vote on bylaw and charter changes. Members vote and elect board members at annual meeting.”

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

“Mergers are voted on by entire membership.”

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

“Signing officer reviews tax returns and forwards signed form 8879-te to tax preparer. Board reviews tax returns at next scheduled meeting.”

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

“Employee loans are management approved. Management loans are board approved. Loans to board members are approved by the board minus the lendee.”

Form 990, Part VI, Section B, Line 15A

“Executive and employee salaries are board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Section C, Line 19

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance call reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Gratiot Community Credit Union
EIN
38-6084711
Phone
9894638321
Address
211 W CENTER ST, ALMA, MI 48801

Signing Officer

Name
Katina Struble
Title
CEO
Signed
2025-04-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Katina Struble
Formed
1955
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
29
Volunteers
10

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Donald E Lingerfelt
Phone
8005225820
Raw XML AppendixShowing 400 of 402 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/TitleTxt4Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
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IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt078357
IRS990/InsuranceGrp/TotalAmt032438
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IRS990/InterestGrp/TotalAmt0566675
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt01010140
IRS990/IRPDocumentCnt0907
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt02593788
IRS990/LandBldgEquipCostOrOtherBssAmt03619826
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0false
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt04437862
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt095729
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IRS990/OccupancyGrp/TotalAmt071625
IRS990/OfficeExpensesGrp/TotalAmt0448627
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0846497
IRS990/OtherAssetsTotalGrp/EOYAmt0787459
IRS990/OtherEmployeeBenefitsGrp/TotalAmt050599
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MISC EXPENSE
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IRS990/OtherExpensesGrp/TotalAmt1236958
IRS990/OtherExpensesGrp/TotalAmt233158
IRS990/OtherLiabilitiesGrp/BOYAmt049152356
IRS990/OtherLiabilitiesGrp/EOYAmt050185948
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0811234
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt043360642
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt038617478
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt06668
IRS990/PayrollTaxesGrp/TotalAmt089471
IRS990/PensionPlanContributionsGrp/TotalAmt015060
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt072409
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt054796
IRS990/PrincipalOfficerNm0KATINA STRUBLE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/Desc0FEE AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/Desc3SHARED BRANCHING
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12614902
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12614902
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt215038
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35038
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt011362
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt115038
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt25038
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 4,435.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0179497
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01999983
IRS990/PYProgramServiceRevenueAmt03101822
IRS990/PYRevenuesLessExpensesAmt0153083
IRS990/PYSalariesCompEmpBnftPaidAmt01128253
IRS990/PYTotalExpensesAmt03128236
IRS990/PYTotalRevenueAmt03281319
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0418124
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03924009
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04437862
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03465876
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010188410
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01675799
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0600948
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02276747
IRS990ScheduleD/LandGrp/BookValueAmt0370914
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0370914
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0547075
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0425090
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0972165
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt038842
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt150147106
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE AND DEPOSIT ACCTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02593788
IRS990ScheduleD/TotalLiabilityAmt050185948
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNING OFFICER REVIEWS TAX RETURNS AND FORWARDS SIGNED FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS TAX RETURNS AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE AND EMPLOYEE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/BOYAmt054818109
IRS990/TotalAssetsGrp/EOYAmt055538683
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt031438
IRS990/TotalLiabilitiesBOYAmt050894100
IRS990/TotalLiabilitiesEOYAmt051100821
IRS990/TotalLiabilitiesGrp/BOYAmt050894100
IRS990/TotalLiabilitiesGrp/EOYAmt051100821
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03924009
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04437862
IRS990/TotalOtherCompensationAmt026691
IRS990/TotalProgramServiceRevenueAmt03548567
IRS990/TotalReportableCompFromOrgAmt0178600
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03827402
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03858840
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt031438
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt054818109
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt055538683
IRS990/TravelGrp/TotalAmt06026
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0822239
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.GRATIOTCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KATINA STRUBLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Gratiot Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0GRAT
ReturnHeader/Filer/EIN0386084711
ReturnHeader/Filer/PhoneNum09894638321
ReturnHeader/Filer/USAddress/AddressLine1Txt0211 W CENTER ST
ReturnHeader/Filer/USAddress/CityNm0ALMA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048801
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Donald E Lingerfelt
ReturnHeader/ReturnTs02025-04-22T13:11:49-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01

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